That said everyone knows that it's no lie that servers make a large portion if not most of their money in tips.

When they ask me how much I make from the endeavor, I tell them: enough to make it worthwhile but not enough to stop working and lie on the beach.

@Jacob Mitchell this is where the confusion lies.

It would be nice to have some additional money left over, I wont lie. 

Math don't lie.

Leverage wins the math debate every time as math does not lie ( as long as you have consistent cash flow and low risk property)So location and type is your choice.

I just don't have a lot of time to dedicate to wholesaling , here in lies the problem because I have always been the type of person that will only take on a job or task if I can have the right amount of time it requires .

Under current bankruptcy law I see no way to use bankruptcy to retain possession of real property while discharging debts, unless one is willing to lie under oath.  

I'm not going to lie and say everything is handy dandy.

Simple answer is work hard .. the real estate seminars and these so called guru's always claim that it is so easy to do .. and that part is not really a lie .. you dont need to be a scientist to start learning how to wholesale and then flip and invest in buy and holds .. but it does take work and lots, and lots of no's but stay consitant and determined and you shall succeed .. how do you start though .. well right here on this website is a great place to start.. become a sponge.. read every post that pertains to what it is your interested in learning about real estate whether it be wholesaling,flipping, buying notes , tax liens ..ect... focus on one thing at a time .. listen and ir watch the podcasts ..they are all in archive as well but i think you need a paid membership to access them .. if you decide to pay for a membership do yourself a favor and watch at least one podcast beforehand ..they put 20% discount coupons at the end of most of them .. it will save you around $60 on a pro membership .. i was on here for a week before i signed up for a paid memb..