I imagine a lot split would also significantly increase cost of utilities as now I would have 3 hookups in that scenario.I am also concerned what would happen to that sweet 3.25% 30 year fixed mortgage I have, which I don't want to create any risk over in the slightest.Any advice on how to frame my counter arguments would be incredibly appreciated.

There are some really great podcasts that talk about different things, and there are actually quite a few vendors that produce content (podcasts, blogs, webinars, etc) that can educate you a ton.

Checking account auto sweeps to pay down the principal which saves a ton of interest over time. 

But, if you pay utilities, it might make sense to add a bit for the extra water / electricity.Personally, I would use this as an opportunity to tear up that 3 year lease. 

I then spent a majority of my free time learning as much as I could on the different styles and strategies that have been utilized in the past, reading everything from Lynch’s One Up on Wall Street to Graham’s Security Analysis, to learning how to build out financial models in excel.

As for capital, I will be utilizing my HELOC for initial fund on first deal.

One of the easier ways to do this would be to 1031 exchange into a DST where the sponsor owns a REIT and utilizes the 721 as part of their strategy.

After all PITI, utility, and services (lawncare and cleaning) costs I have $7,225.I set aside 25% of this for my maintenance fund.The remainder funds my lifestyle, wife has a Tesla, and quarterly vacations as well as business growth.In 2023 I am tracking to build 4 duplex units designed as room rentals funded in part from a recent land sale.

I have an incentive of $25,000 for going with the builder-specific lender, and I'm trying to figure out the best way to utilize it.

Quote from @David Randolph: Quote from @Minna Reid: I handle a ton of sales with HUD partial claims.