Is it worth to pay that much for 1:1 coaching for 6 months and a laid-out course? 

Or paying off my debt, while I provide them with a nice house to live in instead of an apartment. 

Owning a duplex at 20 is a huge accomplishment, and it’s inspiring to see you’re already planning your next move.From my perspective, real estate investing is a long-term game focused on building equity, paying down debt, and maintaining stability over chasing short-term cash flow.

To be clear, you are not paying off the 80K mortgage.

The only “good news” is you’re paying for last year’s shortage and thsi year’s taxes, or this year’s shortage and next year’s escrow account. 

Used funds to pay other debt off plus out cash in the side.  

Expect to pay 4.5% once you account for village, town, school and county taxes. 

If you have cash, you could pay off the underlying loan2.

I'd start the refinance process right away, or just pay it off, or sell. 

In reality, you are going to be the one to pay for that.