It’s great that you’ve already started practicing with NOI and cap rates for evaluating properties, but you're right that smaller properties, like quadplexes or less, are often valued differently.For residential properties with four units or fewer, the market tends to focus more on comparable sales in the area rather than purely relying on income calculations like cap rate.

Assuming this is purely for investment sake, $55k on a $615k property isn’t a good use of your $$$.

I actually make my own greens smoothy / drink often but when I am on a writing heater and don’t want to pause, I grab some AG1.

From a pure numbers perspective, it appears to be a very good deal.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

Its not real complicated, its purely a math question.

If you're buying it as purely an investment property - project for a 20-25% down payment.  

That means not traveling unless necessary, less going out to eat/drinking and avoiding unnecessary expenses of all types till your HELOC and CC debt is close to nothing.

I am not familiar with Philly or the technical questions you pose.I am thinking of this from a purely investment aspect.  

If i were to be a billionaire, i wouldnt mind to put 1 mio in a pure speculative bet.