Seems like a lot of extra work before you know if you're dealing with a motivated seller.

You can literally live for free or close to it if you can make it work (and don't mind being creative like renting out an extra room/airbnbing/etc).  

If their rental earns them $1000/mo in rents and I put down $10k that is TEN months rent in their pocket from day one.  

My realtor office requested the commission from the other Realtor and now the other Realtor is calling me to tell me that my Realtor requested commission and because it, now, she wants me to either move in or to give her an additional deposit, my question is, since I only gave her 1 month deposit and 1 month penalties only and the contact states that the penalties for an early termination of the lease is 2 month, I am obligated to move in to the property or do I have to give her an Extra month penalty in order for the other Realtor pay my Realtor his commission?

In addition to renting out the other units since your still young and in college, renting out any extra bedrooms in your own unit could be a good possibility and provide more cash flow.

@Jim Webster @Jonathan Pflueger yes, definitely something else going on...I'm a licensed MLO here in CA (nmls 1503643) I've mentioned before that lenders have "over-lays" which are extra guidelines, and it sounds like you are only getting one opinion, maybe not the correct one. 

Then exactly like @Ashish Acharya said you do a cash out refinance (making sure that the cash out still leaves you positive NOI)  and take the extra equity and buy your next rental. 

Do you calculate it based on how much extra cash you need per unit?

The extra practice analyzing properties will help!

Overlays are the extra rules that lenders put on top of Fannie/Freddie guidelines to limit their exposure to risk.