However, lenders must exercise caution when considering retirement accounts as effective reserves because these accounts often•are in the form of stocks, bonds, or mutual funds;•feature significant penalties for early withdrawals;•allow limited access; or•have vesting requirements.If the retirement assets are in the form of stocks, bonds, or mutual funds, in order to be considered for reserves, the account must be discounted by 30% to account for market volatility.

I have "won" an auction, after the bidding exceeded reserve, only to be told days later that they were exercising their unilateral right to cancel the bidding and void the deal, found in mountain of documents I was required to sign to participate, unless I agreed to a significant price increase.

The following services are included: A physical walkthrough of the building to evaluate the potential presence of mold; Collection of tape lift samples of suspect mold and/or collection of air samples indoors and outdoors using slit-impactor Zefon cassettes, then submission of those samples for laboratory analysis; Temperature and humidity testing; Moisture testing using an infrared camera and pin-contact moisture meter; Collection of bulk asbestos survey samples of suspect materials which the consultant  feels will need to be disturbed to perform mold remediation work ;Testing of paint (per-1978 buildings only) and ceramic tile which the consultant feels will need to be disturbed to perform mold remediation work with an X-Ray Fluorescence machine; Photographs of the subject property and of situations or materials of note with regard to mold; Preparation of a formal report containing photographs, conclusions, recommendations, and laboratory report(s).

If IRS does not exercise its redemption right within the 120 days it will automatically expire.

When you find a pre-qualified buyer, you "exercise your option" to buy.

@Hattie Dizmond   I think you would be astounded to learn how many TK buyers have not physically seen their property...

Its a very small factor that plays into the total decision, more importantly, if you have a mature and established credit history - you should be even less concerned about it.Whats the point of having a strong score if you're not going to exercise it.... ? 

I'm truly lost when I look up wholesaling real estate, I wouldn't mind being the " investor ", to loan out physical money in hopes to receive profit, but any tips would be great.

What are the best ways for me to do this exercise without engaging a realtor?  

Take every opportunity to physically inspect properties in your area.