I'm limited (at the moment) with my marketing budget and want to put my investable funds where it'll count the most.

The market is cooling and this home may be worth 10% less by the time you try to sell it which would put you under water.If you want to invest wisely, increase your earnings, live on a budget, sacrifice, save up, and put your own money in.

They think that anything over the mortgage is cash flow and do not budget for maintenance and repairs, let alone vacancy, CAPEX, etc.

No prepayment penalty.Loan #2   *Ready for discussing best plan of attack*Jan 2023 target close dateReno Feb-Apr 2023Rehab $90,000 (conservative high budget)Term 12mos at 11.5%  *I am open to other reno financing options*Term 11.5% over 12mosPayment is full at agreement payoff. 

Get rid of debt, build a budget, and save.

@Chris Seveney  thanks Chris the reason I ask. is this:I often wonder what the allure to wholesaling is for all these beginners on BP.. when in fact me being in and around this business for 4 decades I know you could not pick something more difficult to do than wholesaling.. and some get on here and have significant budgets to throw at it. 5 to 10k a month and they are just starting out so My thought was instead of wasting that kind of marketing money.. they could be buying a note a month.. and you validated that by saying notes are 5k and up to 20k.. at least they get something that they can actually do something with ..and the seller is motivated to sell.. not trying to talk a burnt out landlord or older folks into giving away their home then trying to talk a sharp investor to paying more than its worth :)… plus most of these wanna be break into the business wholesalers at the end of the day just want cash flow at least that's what they say.. so why not do what your doing.. find the notes.. buy them work them out.. cant be any harder than talking some seller into taking a low ball offer.. then get the cash flow which is what they are after at the end of the day ?

I budgeted a lot of money into my numbers for serious structural repairs. 

Put it in a spreadsheet with your budget and you should have a good idea of how long it will take.

I am sorry we don't have budget to do that.

It was smooth sailing as I completed the project on time and on budget--almost to the penny--and sold it for the exact ARV I projected in less than one week on market!