@Enyi Ajoku If your tenant is even the least bit resourceful she'll go get an Emotional Support Letter for the pet and tell you to buzz off.

But at least, in your scenario, they are paying the rent, it could be worse they could be actually harassing you and your family on top of not paying rent.

Is there anywhere on the web that is a great resource to find foreclosures or pre foreclosures before they hit auction?

Jerryll,If only Sysiphus had been pushing his rock up Mount Olympus using your footsteps as a guide he may have been able to join you at the top and become a flippin God, so I consider myself fortunate that I have someone like you at my disposal as I begin my journey , learning from your wisdom to prevent me from falling victim to slipping on monkey drool. 

If you are determined to wholesale start with the mind map by @JoeMcCall its a great resource    

I suppose they would mostly be buyer leads.On top of that if I wanted to get in to one of my preferred zip codes it would cost a ton of money.

Go to the top of this very forum, and you will see a list of questions.

(Or a resource to find out that info?)

It is my understanding that you CAN exchange from sole ownership to a fractional interest, but there are rather stringent regulations (https://jordanramis.com/resources/articles/§1031-e...)4.

As I think I have a way of using private money lenders, to loan me the deposit to buy an owner occupied duplex, on pretty favourable terms but I'm unsure how to structure the rest of the financing and I'm just looking for some clarity.I believe I can borrow around 20% of the total to get a solid deposit down and then my question is, do I then go to the bank on top of that for loan for the mortgage?