On a side note just to add some perspective - there's a decent chance you're going to run into 10k in unexpected costs within the first couple years of ownership, and that's part of the business. 

Many investors waive the inspection contingency, but keep the financing contingency, which is flexible enough to get out of the contract in case something unexpected is discovered. 

You business model is that of a flipper and this is an "accident".You can see how many things in your specific situation could go either way depending on what was actually going on. 

If one unexpected thing goes wrong, and you are in big trouble.

This was unexpected because, even after the initial introductory period was over back when I first obtained the credit line, the bank continued to offer the 0% promotions again and again for years.

It's all a game of creating barriers of exposure to your other assets and if you have a big enough accident at your property, insurance will not cover it most likely. 

Plus, you'll want to create an upfront operating account of 1% to 5% of the purchase price to cover unexpected expenses before you've accumulated enough money for the $250 to $300 savings.For SFRs or smaller multifamily, as you said, it depends.

Then I remembered “I have stuff” and if I get in an accident while driving for Uber somebody might be tempted to sue me and take my stuff. 

I know that any distributions from my IRA is a taxable event subject to income taxation, but I just want to make sure that transferring from an inherited IRA to a self-directed IRA does not generate unexpected tax implications (because I'm simply transferring between slightly different IRA accounts and custodians and not taking any distributions).  

He was healthy but died unexpectedly of a heart attack and the company refused to pay off the car due to some technicality I cried the rest of that day and decided at that moment I was out of there, I couldn't live with being a part of that.