27 y/o building assets, looking for next steps for financial independence

Hey everyone, I’m a 27-year-old single Marine veteran trying to figure out my next steps financially. I’ve been taking advantage of most of the benefits available to us, and I’m 100% P&T.

Bought my first property (SFH) last summer with VA loan — hindsight says a multifamily would’ve been smarter for my situation.

Just closed on a duplex with VA loan last month.

Currently renting out SFH and “House Hack” Duplex

Currently in school for IT using VR&E, still have my GI Bill untouched.

Opened a Roth IRA, but I’m still learning about stocks/investing.

Started an LLC to eventually title properties under.

Banking with Navy Fed for years, but opened a Chase business account for the LLC.

Credit score sits around 660 right now.

FAFSA loans: I got a forgiveness letter after being rated 100% P&T, but since I’m still in school I opted out for now. Plan is to apply for forgiveness after graduation so they convert to grants.

Numbers right now:

$3,831 (P&T)

~$500 (VR&E stipend)

~$1,300 (FAFSA loans while in school)

~$1,200 (net rental profit after mortgages)
= ~$6,831/month (~$81k annually)

I don’t have much in reserves since I just closed on the duplex, but I’ve got about $40k equity in my first home. I could refinance for cash to invest, but I’m hesitant until I’ve been renting for a while. My credit score needs to increase. I talked to a consultant about that, he said I would have to play the waiting game to be able to cross 680 mark due to missed payments on closed accounts. I don’t have any balances on them and it seems to be no way to get them deleted yet

Not posting this to brag — just being transparent in case it helps someone else, and to ask for advice from those who’ve been here before. I am still fairly new to this different world of life. My goal is to retire before 30.