Please click on the links, give them a read, and share your thoughts in the comments.First is a post that I feel will help not get overwhelmed with the amount of info that is here on BP:https://www.biggerpockets.com/blogs/5868/52761-the-simple-guide-to-getting-started-on-bpThe second is a post that will help get you focused with your real estate investing goals:https://www.biggerpockets.com/blogs/5868/52743-im-new-to-bp-any-advice-would-be-appriciatedThe last one is a post that will help you choose an “investor friendly” real estate agent.

Pick the best ones that work for you.  

i am working on a commercial deal myself and happen to know that they land next to me is available pretty cheap and i just dont have the money to pick it up right now. 

Often times prices will differ greatly because of the simple fact that they are doing different things (This is also a way many contractors will try to squeeze money out of you).

Sounds to me like you are either speaking with a local conservative bank, or a misinformed individual.If you want to "play the credit game", one simple option is to open a credit card or 2, but don't use it. 

https://www.greturnkey.com/No matter which you pick, make sure you visit them in person prior.

@Matt Geerts I don't know how to quote forum posts, but this is advice to live by as a landlord, and it's actually really simple. 

everywhere ive read its simple step by step & as a newbie i would like something in depth

My wife and I have a goal to rent our current home out and pick up a fixer upper to purchase and move in to.

For example (and just picking arbitrary numbers here), let's say:Current living expense: $1,800/monthHouse to hack mortgage: $2,000/monthRental income from house hack: $1,600/monthExpenses (including $400 leftover on mortgage): $800/monthIn this example, I'd be losing $800 out-of-pocket per month, but I'd be able to save an additional $1,000 from my day job over my current situation that I could use toward a second property.