Together we make about 120k-ish and as were doing this, were actively paying down our credit card debt which together is about 20k at the moment, just fyi.I feel like this is a solid plan, but I'm not too big headed to admit that I don't know everything.

Quote from @Lauren Merendino: That's a nice dream.

Since rent range is pulling from property managers the data is cleaner, because so many self managed property investors market their property way too expensive and they will never get that rent, it is just hopes and dreams.

Secure your dream home and call it a day?

I prefer to have the least amount of banks as possible.Create a bank account that you already have a relationship with(Credit card or mortgage)The least amount of bank accounts is also ideal.

Unfortunately, I canceled about a month in when I realized the scam.I signed the contract in good faith and tried to dispute it with my credit card company, but they lied to the credit card company, showing them only the first contract I signed.

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. 

I'm terrified of doing all this research, finding a "dream" property, only for it to fail and negative cash flow. 

Many of them are posers - I smile and nod, knowing that their posing will make an impression on many who dream of quick wealth, and that their incredibly transparent bullsh** will eventually blow up in their face, leading to no lasting wealth and potentially major problems for themselves and everyone associated with them.Many of these students receive referral fees if they are able to sign up other people to the expensive ($5K+) coaching programs, masterminds, mentorships, or tribes.

You would borrow against the equity at 7% or more, then use the money to pay off a credit card?