A working stack usually has four pieces. A property data platform to pull owner records and build lists, commonly $100 to $300 a month at the entry tiers. Skip tracing to find phone numbers for those owners, usually priced per record somewhere around five to twenty five cents. An outreach tool, either a dialer or a compliant texting platform, often $100 to $200 a month plus per message or per minute charges. Electronic signature, around $25 to $50 a month. Those are indicative ranges from vendor pricing pages and they move, so check current pricing directly.
So the floor is roughly $300 to $600 a month in software before you've spoken to anyone. The $0 version exists if you're calling numbers you found yourself off free county records, and it works, it just caps how many doors you can knock on in a week. The $10,000 course is buying you a curriculum, not access to anything you can't rent monthly.
On licensing, several states have passed rules that treat repeat wholesaling activity, or advertising property you don't own, as something requiring a real estate license, and the trigger varies by state. Since a virtual operator touches multiple states, you'd need that answered per state by an attorney licensed there before you market.
The cost people forget is outbound volume. Texting and calling fees scale with how many contacts you touch, so your second month is usually more expensive than your first, not less, and that's the bill that decides whether you get to keep going.