I concur the average person doesn't understand even basic financial planning.   

I'm basically starting from scratch here.

@Jonathan Taylor SmithI keep hearing about off-market deals; what is the best advice you would give to someone still scratching the surface of the basics of buy and hold and flipping?

Real property contracts cannot be verbal -- they require a written, signed contract with at least several basic terms included. 

Yes,I am positive on purchase price + repair which is 180k.I didn't value it at  220k.Below is my plan take 20% loan on Property cost=120K  & spend remaining 30K from pocket so basically i am putting 60K towards the property & getting 205 back I dont know if it is a good investment or terrible investment

You live in one side and rent out the other, making your cost of living there, basically free.

You can get the basics there just not all of the bells and whistles that Corelogic products offer.

I have only 4 bills in collections as basically paying on time with my student loans is what’s hurting my credit.

Is not going to cut it.. unless its a side hustle basically and one flip even if its just 15k a year is worth a number of drip rentals based on 200 a month cash flow  or in non appreciating markets. 

This is a basic preliminary analysis that I'm trying to drill down into.