Do the same again, move to another duplex and rinse and repeat.  

The Great Lakes are an excellent example of lake affect ice.

A lower rate can significantly affect your overall costs.Rental Income- Estimate potential rental income from your first home.

I not only am going to switch management, but the lawyer further told me that their lease agreement had a non disclosure lawyer clause that states they are not lawyers and do not give legal advice which this manager has repeatedly and brazenly enjoyed giving.

Do a deal then pay it down, rinse and repeat

From there every 20 point increment affect pricing differently.

To enhance your real estate investing knowledge, consider reading books like "Rich Dad Poor Dad" by Robert Kiyosaki, "The Millionaire Real Estate Investor" by Gary Keller, "BRRRR: Buy, Rehab, Rent, Refinance, Repeat" by David Greene, "Set for Life" by Scott Trench, and "The Book on Managing Rental Properties" by Brandon and Heather Turner.

There’s no rush to pull equity from it until you’re ready.Flipping and BRRRR Strategy: Once you’re settled into your duplexes and personal home, moving into flipping or the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) is a logical next step.

The fact you bought down rates on your last mortgage has no affect on a new mortgage, even if it is from the same lender. 

The bottom-line requirements for wholesalers are:A buyer must disclose to a seller of their intention to wholesale the property;A buyer must disclose they are selling their equitable interest/contract rights (versus selling the property) in all marketing, advertisements and communications with other parties;" Hi Steve, I appreciate that information and will research those laws to see how they affect me and the way I'm doing what my mentor, who has over 30 years of experience in creative real estate, is teaching me.