If you've been reading up on wholesaling, then you know you can use several strategies to find deals such as direct mail, bandit signs, driving for dollars or searching sites online like For Sale By Owner or Zillow.  

You probably don’t want to lose the $$ from having it occupied either.

I'm building a duplex and using a lower cost builder who doesn't do any of the site work. 

It still loses money each month, to the tune of about $150/mo. 

It's a little frustrating that they paid all their lives to support others on medicaid and other government programs and now they cannot reap any benefit themselves unless they lose virtually everything they have.Any thoughts?

There's a big difference between reading books, listening to podcasts repeatedly, asking for advice on this site where the responders don't have a truly vested interest and a mentor that you're paying that has an absolute interest in your success.  

If rotted, they can also replace window sill/framing on site, etc.

But you can expect to lose any collateral and have your personal credit ruined."

However, you tie up your cash in the property and lose the mortgage interest tax advantage. 

Have you done a member search on this site to try and connect with lenders?