I can handle that, I'll make extra payments to make sure I'm a couple months ahead just in case disaster strikes.  

You may not want the liability/headaches that come with being a landlord so rentals may be out of your interest whereas if you are just trying to maximize profits and earn cash in the short-term, selling & flipping could be more your speed.

My question is how to come up with financing for this $15k ( I can't put down $15k extra at the moment) .

If the property appraises for $100k you will only be able to cash out at 75% LTV - $75,000, so maybe you can pay yourself back and pay off the credit card and have a couple grand extra.

I work 1, and I do a few extra side businesses to bring in money.  

If below market, that’s some extra tailwind that can help you as tenants either vacate or leases renew.

It might cost an extra $2k, but having that sound proof layer might save lots of headache from tenants calling to complain about noise from the upstairs.

People investing in high cost areas look at more than cash flow, just as people investing in high growth (e.g. tech) companies look for more than current earnings. 

Most newbies that have herd mentality are buying those now.If you are trying to get safer investments you might want to buy brand new builds in a subdivision in a nice area stage 0 to 1 of development.Example you look at 2 options:Option 1 - Buy a house for 75k (Class C) that after mortgage payment is supposed to generate 150 a month income or 1,800 a year.Down payment 15,000    Result: In a few years rent growth in lower income areas is more limited due to income earnings.

He would essentially earn interest on his investment.