Certainly, i will get to read all the chapters at some point, but i'm asking a guidance if either someone share their experiences or guide me which chapter that i need to read to get the information.Thank you.

Not an ideal location for Corporate opportunity....most people who do work corporate jobs commute to the city (Grand Rapids) and this significantly affects how property in Muskegon rents (interest, length of stay, type of renter, etc...)

It seems competitive but then again how many people stay in the game?

So we shall stay patient and persistent and usually that produces great results

And oh, learn how to use BiggerPockets to grow your business by checking this quick guide: http://www.biggerpockets.com/bizSee you around!

I explain why more here if you're interested: https://www.biggerpockets.com/renewsblog/2016/01/26/vast-majority-investors-stay-fard-class-properties/

Perhaps I'm missing something with how hard money lending works (i've been reading about it but it still seems confusing and not viable to me but I could easily be wrong...)ya the other option is I stay in this house and do a cash out refinance or HELOC but, again, it just doesn't bring enough cash in to really do much with.  

I'm taking a much more "business owner" type approach to investing now than I did before.I am about 90% finished writing my business plan, using The Ultimate Beginner's Guide as a tool to help me get the plan in order.  

After I finish reading the Ultimate Guide to REI from BP I plan on finding mentors to help me further my education even if it means relocating to a different place.

Likely they will stay below 5% for the next 12 months and depending on the Presidential election and who gets elected, they could stay below 5% for considerably longer.Eventually in 4-8 years, they will be back to 6-6.5% which is where the financial system hums right along.