I went and spoke with a sales rep to find the best product for my needs.

According to the US Energy Information Administration, oil production in the US has tripled from 2008 to 2020.

I ask because in some places this is an important distinction.  

You can use that as a sanity check against any estimates you get on production.

They'll be licensed in Nevada and all they do is that one product.

Kyle - Looks like you have two distinction questions, 1) Whether to refinance, and 2) Whether you should move out of the duplex.

How do you set up your day to be the most productive?

Based on that you have two completely different approaches, if it is a former it really comes down simply to income you and your partners have and a 25% down payment (assuming you are not going to live there) for a conventional agency loan (FNMA/Freddie) and you will have to put it in your names as no mortgage banker will finance an LLC/LP (there are ways to get around it after you buy it in your name and transfer into an LLC without triggering a due on sale clause but that is a different conversation).If you are talking about a multifamily loan, you can get a down payment for as low as 15% for certain product types (like FHA multifamily) but you would need a loan amount of about $2 million for most lenders.

On average a client has to see you 7 times before choosing to buy a product or service.

For a $3M purchase, you are going to have to use a Jumbo product.