One way or another, and if nothing else, someone has to evaluate the property as to the probable cost to bring it to an after-repair-value that matches the surrounding market's fair market value for comparable properties - before ever offering to buy it at "such a ridiculously low price" (as the seller will term your offer at first), let alone, before offering to sell it at "wholesale" to your buyer (i.e., so far below fair market price at retail that the repairs can be covered as well as your profit and the flipper's profit in its eventual retail sale -- or 'buy-and-hold-to-rent-out'er's profit before they would expect to get it rented -- plus the title search, closing, and any tax costs related to your purchase from the seller (usually split somehow) - and finally, the title search, closing, and any tax cost split with whoever buys it from you.Now, that someone could be you (you do trust you and your repair-estimate abilities, don't you?)

My employer offers a 403b with no match and I'm not sure I should take use it if that's my goal two years from now, or if there is a better way to shelter my savings for the purpose of investing in real estate in approximately 2 years.

Cap exp rate-  the rental just had a new roof put on this year, we plan to upgrade and put new HVACs in each unit, and are planning on upgrading both electrical panels and upgrade the 2nd unit to match the other side.  

@Edgar Perez When my clients purchase a property, I meet with the tenants prior to close to get their side, then I get the landlord's side, then I confirm everything matches on the HUD (for prorated rent and deposits) at closing.

The seller isn't willing to match the appraisal so we are at a bit of a crossroad.  

I qualified for a 1 to 1 match on an any savings I have in the bank right now from bb&t bank so once I send my bank statement, according to the underwriter from the bank, they will give me an unsecured line of credit for about $5-$6k (my current savings).  

Your ARV LTV is between 60-65%, which is bread and butter to most lenders also.Talk with many lenders and find one that matches well with what your strong points are (credit score, potentially income, potentially reserves), that you believe you can work well with (responsive, knowledgeable), and that has some experience to complement your lack of experience.

@Joseph Cornwell Thank you for your inputs,I agree with your analysis.My investment strategy is value add apartment building (15~20 units) in neighborhood B/C,I know east side high levelly better than west side,but I am open to west side as well as long as I can find good deals and team.So right now I just deeper my understanding of the west side of Cincinnati market,hope I can identify decent area and deals/teams to match my target.

This can be say a quarry that matches 2, 3, or more lists (table fields).

It can be challenging to match up his funds amounts with the opportunities as well.