I realized my money would be better spent in real estate then with the govt/fed and their ups and downs, which I have no control. 

-Example you need grass cut, cost 40 to 75 dollars.

I think you'll be okay, lot of snakes in the grass out there prowling, waiting for you to make a mistake and jump on the opportunity to bring you down.

How are people taking advantage of the low interests and the fed cut?  

The 130 will probably be taxed at 15% fed plus state which could be as high as 7.4%. 

Fed has mismanaged money for too ling, dollar index is falling, and they are printing all kinds of money to buy back their own losing bonds.

When an agent puts in the listing to their MLS, those sites get fed information from the MLS system every 10 minutes (or so), and listings start showing up on those external sites, with all of the data that was input from the agent.Sometimes the listing takes 10 minutes to get to zillow or like sites, sometimes its a whole day. 

the usual stimulus that the feds put in place to restart the economy may not have an effect since people are not going to work for a period of time that is not defined.

Threatened with steep fines, after sending the certified letter, the threats disappeared, as the city (in this case Los Angeles), decides they don't have the budget to fight the US federal government in court, and lose (which happens every time the feds have defended the Fair Housing Act).  

I've been denied twice once Navy Fed and once by a local bank here in Charleston SC.. what should I do..