You're looking for a bank that doesn't only do  retail homebuyer loans.

I think you mean ARV (assessed retail value or after repair value) instead of "AVR".Are you looking to flip properties, focus on appreciation long term, or rent them out. 

They did not get their money as they were told over and over again that the $2k was non-refundable if they backed out when they signed the Assignment contract.It can be tricky if your end buyer is a retail buyer but you're the one losing face with the Seller if the buyer backs out so take good notes on everyone who called you on the deal so that if the first buyer falls through you've got others to go to.I've never bought a property when an end buyer couldn't be found and know lots of other wholesalers who aren't ready to buy if their buyer backs out. 

So, to whoever reads/follows this, I completed my first rehab/retail in February.

Just buying retail what a Realtor feeds you from a distance with out deeply knowing the area I think would be difficult to make work.  

General State of the Market - Leasing Activity: Flat, Rising or Declining? General Outlook?Typically, from 2013 to 2014, overall real estate market conditions for retail have been stable. The general state of the mark...

What I have learned through my research is that the best way to know how much to rehab is to look at the retail houses on the market that sold to see what the bare minimum you need and compare flipped houses sold in the last 6 months to see what you are competing against.

Wholesalers shouldn't have retail buyers as their primary targets, since most of them use conventional loans and that causes issues for closing wholesale deals.If you're doing assignments then the buyer's going to see your price anyway.

A few pointers, I would avoid new construction/newer properties, because there is usually no reason to expect to pay significantly less than retail.  

I have read my HOA covenants and nothing covers this situation.My market is very depressed now, and pretty much everything is selling below "retail" replacement cost.