Would it be strategic to wait a few months and save at least 10-20k of resources to have for just in case situations? 

Just got done reading the book and strategizing a plan myself.

If they ask why you keep the late fees and you hem and haw and try to formulate an answer, you'll look unprofessional and they'll go somewhere else.Sending the owner statement for review before payment is only going to increase your workload.

Asking price is $180k and we're looking to formulate an offer for the seller.

If your goals and strategic ideas align with mine I can introduce you to my sources for good deals

Off-Market, we worked with local brokers to identify a strategic vision and partnership to deploy capital for our fund How did you finance this deal?

Very soon we will purchase strategically but with a much more powerful financial position and and education that will pay out dividends in the future.  

So the biggest bang for your buck is 5% down bracket since putting 10% down only gives you .25 less fee.Just make sure your lender walks you through the nuts and bolts of how to use VA strategically and the pros and cons of each stage. 

However, when negotiating you should try and build rapport with the seller and be strategic with how you go about it.

I had moved a lot of stock into cash in 3rd qtr 2019, looking to begin to trickle a little bit back in strategically.