I am researching all the different companies as well.

Sale Price compared to List Price has quickly regulated up to no noticeable difference between what a property is listed for and eventually selling for on average.

Despite facing personal challenges, like many, I've learned to navigate differences in my community, emphasizing mutual respect and understanding.

Hard to say.I suggest talking to your CPA about both choices as well as a loss on a "flip" (which this would be if you were to simply sell it at a loss) is going to be treated differently than putting a lot of capital into something you hold as a rental.

These programs are different from conventional/residential loans in that they give the investors the capital they need to help with the purchase and the rehab of the property.

In the complex world of real estate, making informed decisions can be the difference between a successful investment and a missed opportunity.

Beyond rate, is there any cost difference between the two? 

Other than the financial aspects discussed, look at the construction differences between duplexes and quads.

The original underwriter of the loan had actually told me it was possibly worth it to refi after a year and pay the PPP because of there being 50K instant equity in the house- which if I am not mistaken, is the difference between the purchase price and the actual appraisal value?

If you want to preserve the ability to 1031 exchange down the road, maybe look into different assets outside of REITs.