I am looking to join a mentorship program to help lower my learning curve and until I find it, I am educating myself with books, as well as YouTube University and great advice from the BiggerPockets community.I do work full-time in a career that I love and is very rewarding, but I also know I won't attain my goals with my current job.

In order to refinance a home you must have six months title seasoning to use a "New appraisal" but keep in mind only certain lenders and programs allow a cash out refinance at the 6th month mark.

I know you are pitching your program or software that you want to sell, but I don't think it is really solving the personal contact problem.

Full Disclosure, He has a monthly subscription program to which I am an affiliate of.

This is not a one size fits all answer, but bad debt is non-asset based or depreciating assets - , credit cards, medical, buying dumb stuff.Good debt is debt used to make or grow your portfolio. 

Tell us more about these loan programs~

I could see this fit into several categories of 'real property trades or businesses.'

There are some programs through local government systems where you may be able to receive a tax abatement or grant here in Michigan in an effort to help beautify a neighborhood.

Pick something that fits your style and investment of both time and money. 

I am thinking of paying for the Gator Method program through Pace Morby, who I recently saw at the Aspire Conference in Charlotte.