This blows up deals and leaves the wholesaler in a bad place.The chances of a wholesale deal blowing up are higher simply by virtue of the fact that there are additional parties involved.Wholesaling should only be done by sophisticated and experienced investors who are selling to other sophisticated and experienced investors.

BUT for devil's advocate.

If the wind is blowing the wrong way, move the chair so it's in the path of the wind.

I'm not sure what the second would be, maybe the brother-in-law licks his finger to check to see which way the wind is blowing.

Your accountant is basically advocating for mortgage fraud. 

What if a tornado blows up the house before funding? 

I am not advocating for this, just pointing out other options.Bottom line is, there is no one-size-fits-all, cookie cutter answer that will fit your situation, there are only many options for your to choose from, to help you get closer to your goals, based on your specific situation.

David its like anything.. you have a certain amount that will take the training and do nothing with it.. certain amount who will blow the 10k and another 10k in marketing not get the results and quit.. and you have the few at the top.. much like MLM.. 

others see this as just Ra Ra and not very kind to those people since they will blow whatever little capital they have and be further in the hole.Just like the paid for Guru training class's that are talked about..

If wages go up, prices have to go up but it is localized to the areas that people are leaving due to housing costs.I am a big advocate of a free market.