My mortgage payments on the duplex increased dramatically over the last year as well, and currently it is appraised at 720K with 4,100/mo rent.

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Sell them and put a down payment on something bigger? 

If you get any down payment or closing cost assistance, sometimes they’ll have their own minimum requirements too.

So not sure if this makes any differences for tax reason buti was thinking of using my 401k money as a loan towards the down payment for a multifamily rental.

Are you taking down payment on the purchase or funding the whole purchase and construction ? 

You could use your line of credit to fund the down payment and closing costs on your next purchase.

That's another area where the title insurance payment structure does not make sense, on a refi.

Develop a budget that accounts for possible investment costs, save for a down payment, and build up solid credit.Establish relationships with mentors, real estate experts, and other investors.

With the ability to do electronic rent payments and scanned in check deposits you’ll likely spend little to no time on this.