@Vinh Nguyen Put yourself in the tenants shoes.

If I imagine myself in your shoes, finding steady employment/ a steady source of income would be my top priority.

I'd put yourself in her shoes for a moment: she rents a unit in a duplex, (it sounds owner occupied, yes?).

Just a different perspective to put yourself in their shoes.

If I were in your shoes, I would pass on this property.

In other words, if I were in your shoes, I would shop for a loan officer rather than an interest rate. 

As a guardian one "stands in the shoes of the client", so we are them basically.  

In two years time, I will have $20k per year to deploy towards real estate (my two kids will be out of daycare and we will utilize those funds to purchase real estate)What would you do in my shoes with the immediate $85k funds and future $20k/year funds?  

If I we're in your shoes that's something I would most definetely look into.

I look at investing as a marathon not a sprint, so I would highly recommend good shoes for the race.Good luck on your journey.Ed