However, the fact that this occcurs after every time a property is newly rented has me wondering if they are taking advantage of me.

Many tenants are taking advantage of this, not to say there aren’t those who truly need it, but some landlords are really suffering.

You can be farming the areas for both and take advantage of the best opportunity that presents itself.   

While there's more money to be made investing in a single-family rental in a high-demand housing market, duplexes offer more immediate advantages.

I'm trying to understand what the advantages and disadvantages are of these two options both for myself and for them.

Rather than insinuating, I'm trying to take advantage of someone, it would be far better to either not comment or ask clarifying questions.

Personally, I like the 'vacation home for free' business model, I'm looking for cash flow between -$5k to +$5k per year so the property consistently pays for itself without incurring too much taxable income and then enjoy for my personal use, appreciation and tax advantages. 

Get an umbrella policy and take advantage of the rates and terms.

I started working as a broker in March of 2020 during Covid... and it really took a toll on me because I had zero clientele and as a newer broker I just took advantage of doing trainings and building up my social media marketing.

This industry is rifled with those who take advantage of others and are able to keep a smile on their face while doing it.