Buy now or wait on the I've been looking for?!

[Josh Brosius]

Hello bigger pockets community! I'm 21 and have been saving for the last 2 years in order to invest in a multifamily. I will try the house hack living method and thus will help open my investor portfolio. I can either buy the house now and only have $3,000 left to my name but be able to afford the home. I wouldn't be able to fix it up right away nor have a security fund if anything goes wrong. Option 2 is to wait for my bank to help match my savings. There is a first home buyers club that if you save in there saving account they will match you up to 7,500. After 10 months you must use the matching money or it's no longer available. So it's a certain time frame to use it. Which is an amazing deal but this multifamily that is available now is what I've been looking for over two years. I'd be living for almost free but the down side is I won't have a security fund/money left over for repairs. Thanks for the help! Any questions I'll gladly answer. Need all the help I can get