Is it worth it with less than $100k+ for a downpayment, plus closing cost, vacancy, renovations, etc Also, that's all my savings, which means my Emergency fund will be depleted.

Is it worth keeping and renting or should I just sell now.

Their long-term buy and hold has put their net worth into middle 7 figures and just with a small number of properties.

Cash flow, we don't buy any properties less than 50% of what they're worth, all our properties we own make positive cash flow in a modest way and these tow items are deal breakers if they don't pass that's test for us on str.

I’m trying to calculate the cap rate on my own to see if it’s worth the investment. 

I used to go to Beaver County ACRE back when I lived in Beaver County it was a pretty good group probably worth looking into. 

I have seen instances where clients convert to a two unit and the property is worth less than if they did a higher end rehab of a single family.best of luck!

Add all this up, and one would be quick to see it's not worth it and its a waste of money.Sample contract:https://www.ahs.com/contentassets/8ba0119cd29145d1a2cedce007...Looks like a great deal (sarcasm).

Using whole life products to create a banking system (i.e. our bank or "the business") to then fund real estate deals (benefits in my original post) are well worth any associated costs. 

That'll buy you $428,571 worth of real estate.