You're better off reading the BiggerPockets forms getting a couple of books worth 100 bucks total and going from there.

Then I refinanced down to a 6.6% rate but had to pay points but I think it was worth it because it appears rates are going to be higher for longer. 

It seems like it basically up to you to do the math on how much more you will potentially make selling each unit individually and then deciding if that extra $$$ is worth the number of extra hours you will spend.

If the answer is not obvious, remember the relationship between appreciation and rent growth so the answer is the same for both questions. 

The ONLY warranty I’ve ever found to be worth anything are the $5/mo warranties through utility companies.

First things first, remember it's a marathon, and you are getting such a head start that, in the long term, you will be leading the pack no matter your pace!

The good thing is the duplex is worth almost double what we built it for and we have had good tenants on both sides ($185,000 rental income so far) except for the bed bug lady so everything has worked out ok. 

We would have to know so much more about the property.They could be asking 100k more than the property is worth.

As you begin, remember to take your time researching and exploring different options.

The market was very favorable from 2012-2021 for this type of thing, but eventually I would think the house of cards they have built will fall down (probably starting now as I saw they have recently tried to sell some projects off at prices that nobody would ever pay, including one of my buildings they bought for way too much, which is still worth less than than they paid for it but they are asking way, way more).