She believes that she might have a program that we can finance the full purchase and rehab with, so she is going to get back to me with the terms so that I can see if her numbers work for us.

Find a trusted loan officer near you and make sure they know about this Fannie Mae or Freddie Mac program first.  

I am married with 2 young kids and have been with the same company for 10 years in various roles but doing BI/Analytics (programming) for the past 5 years.

craiglist post contain a lot of rent to own Adds  just curious to know how legitamate this Is, has anybody used one before , and was it a success? 

Do you suggest I take online courses or are there reputable programs at local schools in the Seattle/Bellevue/Kirkland/Redmond areas that I should look into? 

If you're going to attempt such a program, I'd suggest you fine tune the future sale price being to expected appreciation and allow some concession under a profitable agreement tying in any future appraisal, perhaps a percentage of the spread. 

Union City is also particularly sensitive about basement apartments: there was a program ~10+ years ago where many basement apartments were "legalized" to a third unit, but you'd likely not be able to get a certificate of occupancy today if you had to receive a new one because they don't comply with the current fire code (windows not large enough, no sprinkler system, etc.). 

TD Bank has a program.  

This only works exactly like this within Snohomish county, however, and only small percentage of local properties pencil out economically.There are about 200 TDR programs across the country.

So i have been interested in wholesaling and have purchased programs and watched hours of videos and my biggest question is: how did you know you were ready?