Can anyone point me to free or low cost flipping training? 

Effects everyone since you will now have comps that are looking outlandishly low. 

Now the average deal at 25 down has 0 cashflow and low down negative cashflow.

Might as well just invest in a low-cost index fund.

And some others builders that were offering as low as 3.5% interest. 

Competed foreclosures, the final phase, were up 32% year over year.Florida, South Carolina and Illinois led the nation in state foreclosure filings. we are still at all-time lows for foreclosures. they will continue to rise in the future and may get closer to the norm but I would say its doubtful. 

But if I recall correctly - the rates were in the very high 6%'s and low 7%'s.

For those of you getting low projections, have you checked the market the property is in and the active listings on AirDNA, versus how many active listings there actually are? 

Positive is that they are passive, but the negative is that you are locked into low returns 5-7% range. 

Residential very likely does not include busineses except for home based, low/no-impact businesses.