Wholesalers can't typically sell to retail buyers unless the retail buyer is paying cash, using non-traditional sources of funding or will be purchasing under some form of creative financing or creative transfer of title.

But 35% isn't a traditional down that I've heard being thrown around.  

Building your own business on a solid financial platform will greatly add to your long term success.

I only have a rental on Airbnb that I would not have traditional long-term tenants in- like the inlaw unit in my home.

If a traditional owner occupied mortgage doesn't fit, you could look at other options like partnering with your mom, seller financing, or read Brandon Turner's book.  

Are there any online platform to do them more of a click buy

It's not very likely any traditional lender would refinance them.

This may be your biggest hurdle in your ability to get a traditional loan.

How many of you have used or considered a crowdfunding platform to finance your projects?

I negotiate 18-24 months with the hard money lender to "buy him out" of the deal, basically pay him all cash for the mortgage balance or refinance with a traditional lender.I then go in and do what I do well, fix the property, fix the management, and thereby raise the value of the property.