I love helping people so being an MLO I feel is a great entry point, however, is it really worth it?

The people who are already working in that specific market will be the ones who will be able to give the best direct advice.

Most commonly, I see that clients can do a rate and term refinance after 30-days of ownership but most people wait 6 months to be eligible to do a cash-out refinance. 

$300K should allow you to buy a duplex/2-unit and both doors should be offering a profit even at 15% down.If you are in a situation where you are getting hit with high taxes, high rate, low rents it might be a "Walk away deal".I have to have conversations daily talking people out of buying a particular home because its a bad deal.

However, for two people being roommates, some privacy would be better I think...What would be the best way to somehow install doors or some kind of separation?

true people search is pretty solid and its free.

I'm not a wholesaler, but as an end-buyer I wrote a piece about what I think wholesalers should know regarding our mindset and thereby what I think is important to prioritize. 

NJ like NY is definitely not the best option for newbies or people with limited cash.

I'm from Stillwater Oklahoma and multiple people I grew up with have started reaching out to me on how I can help them or someone they know with different properties and lots.

Life is too short and real estate investing is not worth it for a lot of people, as it is stressful and can be very expensive.