And there is nothing wrong with paying for any of that in an effort to improve yourself.I can't speak to either of the courses that you're referring to as I haven't taken them myself and don't know the gurus personally.What I will say is that $5,800 is an astronomical amount of money for an online guru's services (in my opinion).

Unless the property makes something closer to 14% - 3% for PM - 2% inflation - 2% maintenance I will be left with 7% money growth which is sounds nice but 14% is astronomical number for real estate ROI based on rent. 

C- to low B-class value add plays.I currently live in Chicago, which has a large number of properties available, but has a lot of negatives: astronomical taxes, population loss, jobs loss, corrupt government, crumbling infrastructure.

Insurance companies know this and provide you with plenty of coverage because they are in the business of making money, not paying out on claims. the odds of you losing a lawsuit so large that it eats up your insurance and your equity and bleeds into your personal assets is astronomically low and not worth spending brain cells on.

I'm purchasing MFHs in TX and PA and am receiving astronomical rates for homeowners insurance.

You could have astronomical appreciation but you don't benefit from it until sale or refi, and they couldn't care less because debt service is paid in dollars, not percents.

I work in San Francisco and live on the peninsula where real estate valuations are astronomically high, hence my interest in looking elsewhere.

Here in Virginia Beach I have a ton of clients that owned boat slips and rent out the boat slip for astronomical rates during the summer times some of my clients are making $2500 Per day during the summer for 50ft  yacht slips Honestly I would never rent a boat out that I owned too many crazies but I definitely would rent your slip

But not like the heavy duty ones like structural damage or a total rebuildIf it needs a new roof or HVAC, you will either not be able to finance it, or your insurance will be astronomical. 

The consumer is fed up w/ the astronomical prices.