Are the costs for pre fab better in your area than a new construction?

You'll be in a better position than not by utilizing any of these resources.

Refi to get a better rate is good but have to weigh the cost of money and the time you have the loan to see if it is worth the costs to get a new loan.

If you're getting 10% or better NET hold them.

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I was wondering what would be my better option to get a down payment for my next property.

I may be paranoid but it really feels safer to me to see buyer / seller in front of me with the attorney in charge, for some bizarre reason, when a person who had an online $100 or less class to become a public notary has the seller / buyer sign legal documents, I don't feel it's a safe way of verifying their identity and generally speaking I feel conducting these large deals with a table closing when all parties are present is way better.. or at least choose an agreed third party to verify identity of all parties (like a different law firm) is that just me being paranoid or is it a legitimate scare?

I'd have an agent run comps. 3 smaller lots would do better but you also have to weigh the time/money it takes to separate it.

It depends on where you are living, how long you think you will be living here, if 3 years is the minimum but a good chance it’s gonna be longer bite the bullet & buy, if 3 years is the max it’s probably better to just rent, regardless nothing will cash flow, the big benefit is locking in your payment, but the value of that depends on the timeline, as far a where that would really depend on your preference’s in price point, do you want urban or suburban living, how big a space, how nice etc?

On the other side if you have B/C class units with a better tenant profile requiring the additional money could make better tenants shy away from applying.