I checked out one of REI meetups but they were no longer doing physical meetups due to corona.

There was a colony of them in the physical mattress with eggs.

@Blaine AlgerJust because they are not currently doing anything or physically present in the US changes nothing. 

@Andrew MorenoI'm not too familiar with your area of NC, but if I were you, I'd just physically visit as many small banks and credit unions around you as you can find.

So im very very new to REI and bigger pockets, but one place i go to find my books, since i dont currently want to buy physical copies is this website i found that has thousands and thousands of books converted to PDF.

@Nathan OldsI think this is a question on preference - do you prefer your books in physical format or audio.I don't think there are many people who "listened" and read the two books you mentioned to give you advice on which format is better for those two books.I got Audible and got 4-5 audio books and I am going to go back to reading books(kindle).

COVID has undeniably caused all kinds of hardship for many people financially, emotionally, mentally, and physically.

As mentioned above a combination of incorporating both strategies will also be analyzed.The result is that the optimum allocation of invested capital (equity) is found to maximize overall leveraged returns.

But maybe that's not a valid concern, since you can incorporate rental income?

Life happens and being a nurse working in Covid it gets a little rough mentally and physically sometimes and grace is needed.