He's at his desk opening money bags, counting coins singing:Ringle, ringle!

Somewhere with expectations about staffing the front desk may be a problem if the office is far from your home and your target market.  

When they are ready to refi they will need at least another 3.5% for FHA or worse 20% traditional.

The second is to try and find a home that would make a decent rental after we live in it, leaving left over credit to invest in investments with traditional financing.  

For example, if a traditional lender takes three months to close on a deal at 4% interest, but an alternative lender closes two deals at two weeks each (and they can) which allows you to flip two houses in that time, which is the better scenario?  

(maybe late 30s-early 40s)OR...If you guys think that newbies should stay away from trying to virtual wholesale, I can do it the somewhat traditional way of building a long time rental portfolio.

Getting a traditional loan?

It strikes me that this company is trying to do with the real estate brokerage process what LegalZoom did to legal services in the early 2000s, and I'm curious whether this structure would provide the level of service you would want compared to a traditional agent.

But that just means you need to keep funneling deals to your desk.  

I have looked for properties on auction sites and the traditional real estate sites.