I'd be in one heck of a situation if I had all of my units go vacant for a month or two, and expect to have that money to pay expenses...and no safety net.However, what if you could take your side of the equity and find your feet. 

@Gary R UrenIf the property is zoned for only one home you most likely will not be able to do thisPossibly it could be 123 main st unit a vs b but that is a post office issue and good luck dealing with the post office on this issueI would talk to them and put to mailboxes in the front and see if they can separate it by A and B unit

NO, to randomly just buy a new-con unit, rent it and assume appreciation will come will NOT work in a great many of instances. 

Both common area TI and unit specific TI.  

I then took over the entire marketing and leasing process directly, flying out from NJ to show the units.

I am currently under contract with a 9-unit multifamily.

Do that, make some profit and then buy the 9 unit. 

I am hoping to roll these two into one loan and reduce my monthly payment/ interest rate on the HELOC as I will be having the debt long term.I also currently own a 11 spot RV Park which I own all 11 units and is currently generating $10,375/month in rent.

Do they keep their units up? 

This criteria is for 1-4 and 5-8 unit programs.