Plus, reading a ton of RE books, going to all kind of investment clubs will add to your knowledge in time.I had this exact discussion with some of the largest investors I know , most from the BP site and all of them started with a paid program to learn quickly and gain confidence to take action!

Analysis is not a substitute for action. 

What was the reason given for the adverse action on your HELOC app? 

Just a heads up guys, I am not siding one way or the other, nor am I recommending action, investment, or purchase of products. 

A bank will most likely look at my deals differently than they might yours, it's not all about the property.Get with you lender,  map out your business plan, have your financials in line, a short bio of your experience and education and map out the course of action in line with their lending requirements.

Take action NOW!

I want to have a clear plan of action.

I have an action plan that makes sense in my head, but do lack the "know-how" and connections to make it happen in the proper fashion - without going bankrupt and living on the street with my two sons.I want to live by your credo!  

I've been looking around the site for a while now and after listening to and watching the webinar from last week I decided I need to take some action if I'm going to get serious about this aspect of my life.My immediate goals are to finish school and land a civil engineering job.

Can you get anything from the class action settlement fund for PB pipes?