That's what I've heard from others and read online as well.

When most of us were 21, we were thinking about stuff other than real estate.May want to check out @Jered Sturm's path as he started in real estate during college and now is a syndicator.The first paragraph says it all. 21 is SO young.  

I have no degree in either, and currently do not have the funds to attend college to get a degree in either.

You can find different strategies on how to find and reach these folks, such as driving for dollars, targeting mailing lists, networking with Realtors and other wholesalers, and having an online presence, plus paid social media ads, etc.

i guess you could call them, like a newborn, kid college fees something of that nature.I made the mistake of not looking into that before i bought my duplex, because don't forget that with homeownership/landlord comes recurring expenses on that property,and you're life surprise expenses somehow never stop coming lol, so i'd make sure to put money aside for that and not sacrifice it for the sake of profit.

check the local municipal code, most are online.

Every contact I needed for insurance, mortgage and cleaners were done online, mostly through connections from BP. 

Check out the free content online of Bill Faeth. 

Jackie has a good point that much of it is free on line.

The majority of buyers appreciate the expertise that a good agent provides (local market knowledge that can only be gained by being active in the market buying and selling all the time, looking at most of the new listings in person or at least online daily, a background in or at least understanding of building construction, relationships within the network of professionals in the industry doing deals, vendor referrals, legal protection through E&O insurance and keeping up with constant changes in approved contracts and required disclosures and forms, negotiating skills (the average person is terrible at negotiating directly and has no desire to, I find Americans are uniquely averse to negotiating and prefer to outsource it but I digress), etc.).