What is the most effective way to get a mentor?

This one is more recommended if you are thinking of doing a flip or a temporary investment since it doesnt have long term effects like the refinance. 

We may see that change in 2024 as rates are having an effect on demand, but not as much as I'd like to see.

Many of them also charge fees to the tenant that you don't receive effectively taking an additional portion of what you could be charging in rent. 

"High" should have the exact effect of a bigger price swing between low and high demand dates.

Plus the learning curve to invest effectively was too steep to completely disregard it. 

Granite is quite effective as it is scratch, stain and chip resistant.

Lastly, with the Covid-19 shutdown currently in effect and unemployment at records highs considering the 1929 US population was 122MM @ 24.9% at its peak (as opposed to the 328MM population we have today), do you suspect lowering the cost in general for both Wealthability programs might be considered to encourage those of us currently not working and as a goodwill gesture for the unprecedented economic situation we find ourselves in? 

Several things to contribute here: 1) Private Lenders with no credit experience emerge doing down payment and 100%/High LTV financing at the end of every cycle, 2) they're among the first to loose their shirts in every downturn, 3) although someone termed this type of lending "gator", it's not new, 4) the guy that coined it didn't get into real estate untill well after the last crash, 5) he has no real credit background or experience (he's never been a lender), 6) Google the guy's name and "looses professional license in AZ" to see what pops up, and finally 7) he's really effective at telling people what they want to hear, filling their heads full of hopes and dreams, getting them to buy his training, and his minios generally won't want to hear what a real, seasoned lending vet will try to tell them.

As a landlord you may receive rent from the government but you still must manage their ward/your tenant by your standards.If you screen and allow tenants with below average credit scores there is no doubt you will be effected by this tenant.