And you may already have some good industry insights, and also look at the sector abroad (like Europe, Emerging Markets, etc).

The government is calling our rental market in a "state of emergency" because of lack of available rentals. 

I do act as the 24/7 on call emergency contact, I handle and negotiate leases, schedule maintenance, and anything else to do with property management.

I would do 10k emergency fund and 10k saved for invitro.

We have some money put aside for emergencies. 

Know where all the emergency walk-in clinics are. 

Do I just drop all my research I have put in in FR/Worcester and be mentored by this guy to purchase my 1st property in lynn which will be 400-450k for 3-4family which i can afford the mortgage on my jic of an emergency.

@Jason HartleyIt's not that the landlord isn't repairing, but this tenant is a family of 4, the funds the landlord is offering is simply not adequate," Who Cares" how much the landlord's cost is to repair,, this isn't the tenants worry it's the landlords.. 10 days is way to long for emergency I've dealt with fire, flood and blood and can tell you a "company" dealing with this type of issues should have been sent by the insurance company to start ASAP. 10 days is like 9 days to long.

If it's a rental property you're buying then you are better off having cash on hand for reserves, emergencies, vacancies, and to be able to purchase another property when the right deal comes along. 

By law, you must have an on-island emergency contact.