Or are we passing up perfectly healthy deals? 

There is a good opportunity in my neighborhood on a property that is in the middle of a remodel but the owner has to sell due to poor health. I

If you don't save up a healthy amount not only will purchasing a house drain you but there will always be unavoidable costs you'll incur.

That has to be balanced by maintaining healthy cash reserves, having enough equity to withstand market fluctuations and rental property issues, and your ability and willingness to grow. 

They will provide healthy insights into management concerns as well how to protect yourself best.

Right now the market is healthy and I can tell you that there is pretty strong competition for any type of distressed property.

I normally can have a good healthy communication with my renter.  

I know this is probably a redundant question but if my credit utilization is a little high on two of my primary cards, lets say 45% should I pay them off to zero, get them down to a healthy 28% or just put the extra cash in my down payment reserves.

As long as you purchase/build in a healthy market that is not oversuppllied, decades of historical data shows that you can be reasonably certain to "sell your service."

A "healthy" housing market has 4-6 months of inventory.