I don't know if I'm getting much appreciation on a duplex unless the rents are significantly increased.

It might be an improvement over TikTok influencers and self-proclaimed gurus, but not by much.

All this makes for great guest reviews and helps increase revenues. 

Looking for a house we could house hack, had an incredibly low interest rate on mortgage and house has increased in value about 42%, an estimated 180k in equity.

So your net earnings ( increase in wealth) is $650.  

But ...The first thing I observed was the replacement cost portion of the quote, was, IMO, less than what it will actually cost to demolish the remains of the existing structure, pay for any hazardous waste removal following a catastrophic loss, and actually pay to replace the property in the event of a total loss, even though I used the quote feature to increase the replacement cost value by 20% (the maximum it would allow).

Leverage will be reduced from the max available, reserve requirements increased and, typically, you would be required to use a professional property manager.

That will increase your material costs for the job and is the contractor paying for the material in their bid or are you paying for it and paying them a labor cost.

Did lenders reactivate HELOCs after the rates increased?

Eventually, Class A property values increased to the point that even increasing rents didn't allow them to cashflow upon purchase.So, the flood of new investors switched to buying Class B properties.