ALL of my major problem tenants happened to have had a average (adults in the household) score below 625. 

A common bit of advice seen on this site is, "Don't spend $20K on a mentoring program when you could spend that money on your first deal and you'll learn much more."

We’re weighing whether to leverage our funds by putting 20-30% down and financing the rest, or to buy properties outright in cash and then pursue a cash-out refinance.I wasn’t previously aware that each person in a household can have up to 10 mortgages under their name.

I just googled "hard money lender Fresno, CA" and about 20 options popped up.I'd spend an afternoon calling around and talking with loan officers.

I also believe that as an investor, you are never going to be more ready to spend money than in the beginning.

You definitely wont get an app like that for free, so how much would you be willing to pay to a company to submit it for you, vs spending 10 minutes once a month to submit taxes? 

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

How many times can you spend $1500 to get an 88% return?

You can spend as little as $100 to form an LLC, or you could use an attorney and spend $1,000 or more.

Under this rule, if you spend at least 100 hours on the property and no one else exceeds your time spent, you can qualify as materially participating.