It sounds like you're receiving your money back, but it's still unfortunate you wasted your time on this. 

I have no idea what numbers to look at or even how to get this information as "practice" without unintentionally wasting someone's time.

,I purchased my first single-family home last year using the VA loan, i am doing house hacking, however, i am thinking about refinancing, however, i could not find a clear answer on how that would affect me when i am trying to buy another property or if it even has any effect at all. 

Or am I an idiot for wasting my time typing this up? 

Using good debt properly and effectively is mission-critical!

It is an animal that works, provides assistance, or performs tasks for the benefit of a person with a disability, or provides emotional support that alleviates one or more identified symptoms or effects of a person's disability.

I'd work on digital strategies like Facebook since you can still target your desired areas effectively without "boots on the ground" like bandits.

As @Lucas Miller said, the economy is a complicated beast and is effectively impossible to time.

Just want to make sure you are aware of the new Smoke Detector law going into effect this April.

Learning is so much more effective Live then virtual or book type.