I have an understanding of how to do it, but I don't have the capital to get started what I want to do, which is buying single-family and Multiplexes because I'm a full-time single Father and Disabled Veteran, so I want to raise the money through wholesaling.

I am ready to purchase my first full time income property. 

This would ensure that you can hold either or both responsible for the full amount of rent for the full lease term.

It is where I ideally would like to live.Needs a LOT of work: full gut.

She is willing to sell it for what she owes.Numbers on the deal-95k 1st mortgage @3.875% ($890/mo) - her insurance is $2440/yr ($203/mo)- I was quoted at $650/yr ($54/mo)- her escrow shortage was $896, but if paid in full, her 1st mtg payment is $815/mo-10k 2nd mortgage @14.9% ($217/mo)-35-45k estimated repairs (I would do some work myself to get the cost down lower than 35k)-ARV is around 160-165k-Rent market ~ $1200/moMy thoughtsIf I paid off the 2nd mortgage (10k) and got a better insurance, the new mortgage would be around $613/mo.

It is hard to give a full answer without knowing more info, but hope this helps!

Last I bid a project (2017) to a GC, one guy was at $140, but we did not have full CD's complete, so that was an educated guess. 

I have paid full mortgage for 4yrs. she now pays 1/3rd.Christopher, wrong choice of words.

I'll be cash flowing enough to replace my income in about a year(or at the very least enough to cover my burn), and I want to 'retire' and go full time investing/flipping/hustling side businesses.

Demand termination and full justification for the cost or you will sue them in Small Claims for damages.In the meantime, find a new Property Manager.