Since you've already started learning through books and podcasts, your next step should be narrowing down your investment strategy—whether it's house hacking, multifamily, or BRRRR.

I booked two properties in Ocklawaha (being constructed by Elite Builders) via B2RDirect back in Sept 2021. 

At this point I am reading books, saving money, and looking to make relationships in the investment community.

Then you can read a more in-depth book like The Book On Rental Property Investing by Brandon Turner or The Unofficial Guide to Real Estate Investing by Spencer Strauss.2.

Is it like the following:a)  Make an offer on a 5-unit that the Seller acceptsb)  Do my inspections, come up with gameplanc)  Present the lender with final gameplan, once approved then proceed to closing & get the keysd)  Have XX days to convert to a 4plex?

For projects with 150 or fewer units, the city has 60 days for eligibility review and 90 days for final approval, including design review.

Finally, certain banks are comfortable with certain kinds of customers. 

It took a few months to correct it but they finally did.

No, I own the house free and clear according to the books. 

Then you can read a more in-depth book like The Book On Rental Property Investing by Brandon Turner or The Unofficial Guide to Real Estate Investing by Spencer Strauss.2.