be organized.Example:3 months goalEnroll in real estate class-network and meet at least 3 real estate related professionalsSave XXX dollars toward first purchaseWork on marketing strategy, and overall strategy (define markets, focus will be SFR, buy and hold with 150.00 cash flow etc) 6 month goal--pass real estate exam--Save xxx--Improve credit score from 675 to 745make these goals quantifiable and specific, in other words you can cross them off when you get them done.The plan won't be perfect buy it's a plan and you show you are executing on it. 

@Richard Lema Check the BP events page to see if there are local meet ups of investors in your area.

Any suggestion on where i can find some meet groups or educational seminars to help get started in this space that want waste my time.

Second, visit local real estate investor meet-ups.

My potential tenants usually have bad credit, work minimum jobs or cash jobs and don't meet the income requirement but will complain about the unit not having an island, or no central air/garage, or a neon green bath tub (everything else was remodeled).  

Coupled with that I have been trying to take action like going to a real estate event and I meet with a real estate agent yesterday. 

Most of their income doesn't meet the 3x rule. 

I just spoke with a lender about refinancing and I'm worried that by myself I would not meet the DTI requirements.

Talk with them and meet them if possible. 

You'll meet lots of high net worth individuals that way (being the secondary outcome to the primary outcome of giving back).