So simple question (hopefully):Should I talk with a lender now before I have any properties on the table or wait until later in the process? 

Happy to share some data on it if you want.

Not sure the reduction on utility costs and all but just another option.   

Income in exchange for a claim on a portion of the property’s value.

How much money was spent on the rehab. 

@Kearan Tolles many wholesalers put in "Weasel Clauses", contingencies to get out of a contract they can't afford to do on their own.

I deal with HOA purchases frequently, and in my experience, when you get pushback on required items like insurance, reserves, budget, etc, it's because these items dont exist/are not in order.

There are a few happening regularly in Indy, and you’ll usually meet flippers, wholesalers, and lenders who are open to sharing insight (and sometimes looking for hungry people to help on projects).If you’re interested in house flipping, shadowing someone who’s actively doing it — even just by tagging along during walkthroughs or helping estimate rehab — will fast-track your learning curve way more than YouTube or books ever could.

BiggerPockets and local REI meetups are great places to ask for recommendations too.Paperwork to have:At the start you’ll need:A solid purchase and sale agreement (your contract to buy from the seller).An assignment contract (your contract assigning the buyer your rights).The title company will handle most other legal paperwork once you give them these.Helpful resources:Check out free BP videos and podcasts on wholesaling basics.Books like The Book on Wholesaling Real Estate by Jamil Damji can give you a strong foundation.You’re on the right path — keep making connections with investor-friendly title companies and they’ll help you navigate the process.

However on the servicing side, Madison management has been great.