Incidentally the next tenant broke the globe on it - and the mirrored closet door - and the window - phew.....security deposits... they are your friends.

@James MaherA loan is non-recourse when the lender's only security is the property.  

According to the American Land Title Association, the following types of loans do not have to comply with TRID:Home-equity lines of credit Reverse mortgages Mortgages secured by a mobile home or dwelling not attached to land No-interest second mortgage made for down payment assistance, energy efficiency or foreclosure avoidance Loans made by a creditor who makes five or fewer mortgages in a year And, in addition, 100% cash transactions (no lender involved) are also exempt.

I would even put some Section 8 tenants in this category, particularly the older people who have been on the program for years.D Class: People who have only ever lived in public housing or with family.

Check their names in public records (court, etc.) and social media to find out more about them.

When posted the question,  I was more concerned with how easy/difficult it would be to secure conventional loans after having multiple mortgages.  

So my advice - aggressively save $, once you have 20% for a duplex, find a good deal where you can add value that will have a stable occupancy (by a university, public transportation, etc.)Just my 2 cents.

Im pretty sure no individual party will be able to secure a loan of this size.

From any investors whom have had experience with wholesaling high end homes please put your hand up and I would greatly appreciate your valuable time in giving me some friendly advice.My question is:  What type of earnest money deposit will 'me' the wholesaler have to put down to secure the deal with a motivated seller of a home which is over $500K and reaching to $3MM?

My professional background is in information/computing security and for many years I conducted audits of corporate information security practices/postures.