.: Maybe someone can educate me on the actual uses and mechanics of using a substitution of collateral clause (aka substitution of security) in a loan when you are the borrower.

That’s not me.As far as your "un-educated" excuse, I've met some well-educated types I don't dare turn my back on, so think again about how you're perceived.I’m WELL educated and know EXACTLY how I’m perceived.

Hi everyone,Does anyone have any useful spreadsheets / checklists / anything informational as I begin my journey into fix and flips?

Set a clear goal for your first property, find a mentor, and keep educating yourself—you're on the right path!

But it would be good if you understand how this is done just for your education etc.  

You might find someone in your network who’s ready to sell a property, or someone who has advice specific to your market.Real estate investing is a journey of learning and growth.

I wouldn't be adverse to getting licensed, since I am sure the education would be worthwhile, but I have a question regarding brokers.  

Here's a video with some tips, but I recommend you watch several videos, read some blogs, and educate yourself on what to look for in a brokerage:

Congrats on taking the first steps on your investing journey.

Quote from @Meghan McCollum: Hello everyone, I'm looking to start my journey of investing in Duluth, MN.