The second habit that has helped me track my finances is that I’ve created a personal spreadsheet that I fill out at least once a month that tracks certain financial metrics I’m interested in comparing.

I read a forum post on a personal finance blog about a user using YNAB and Credit Karma together to problem solve. 

It's really hard to give financial advice without having a full idea of what you're trying to do (fix and flip, buy and hold etc). 

I've been finishing up my Financial Planning degree at the University of Alabama.

I don't have the time or the financial means at the moment for that.

It seems like your ROI is basically the same in each option, but you are taking on a much bigger project to convert a single family to a four-family.So basic calculations, since we don't have a full financial picture, i.e. what does financing of each look like?  

Long story short, I am in a bad financial condition as of recently.

You can sell on financial method because there is such short demand there is all but no comp's to use for comp method, and if selling as turn-key, yup, financial method will be your friend for sure. 

Prices go down, causing financial pain for the gentry.

It’s all about solving problems and creating win-win situations.