AND, if you ever sell without a 1031 before you die you’ll probably end up paying higher taxes in the end.

Welcome to the community and be ready for a huge amount of information at your finger tips.

My gut says you probably want/need separate policies for the different entities at the very least - the purpose of having them is to keep things separate in case of a lawsuit, so combining insurance would pierce the veil and allow someone to come after everything. 

If I choose to flip, the amount of capital expenditure and interest could be too much for me.

For example after reading the offering are you a secured investor or unsecured?

Try to borrow the $75k you think you need, or hook up with  a partner.

Real estate laws are local to the state where the property is located.

Quote from @Julian Dragos: If you convert to an LLC, everything should be changed into the name of the LLC.

The fourplex looks like it going to cash flow much sooner but the duplex appreciate more?

There was an article published in Sept 2024 that showed the average consumer would save over $10,000 by working with a broker vs a direct lender over the life of their loan.