But sounds like you have more due diligence to potentially do.

Based on current rent not potential rent max price should be 900k to be able to cash flow property. 

Focus on the numbers, finding/buying/creating an opportunity, and maximizing the potential.

I'm with you @Noah Laker , I think there is huge potential in college towns and mid-to-large cities so long as you do your homework on the legal side.

Does not matter from whom you borrowed and where they got the money to lend you.Third, their situation is potentially problematic.

Outdoor space, including parking, living areas, and potential expansion, can enhance the property's appeal.Location should be considered, as properties closer to tourist attractions may command higher rental rates but may also come with higher purchase prices.

I also considered the appreciation potential.

"Buyer to receive $5000 credit at closing, Buyer agrees to replace subfloor with 3/4 plywood, mildew resistant and sound proof flooring insulator"Obvious labor is expensive, What are your thoughts on this.. the actual subfloor is fine but its in the contract to install new subfloor anywaywith the "replace subfloor", could I install new 3/4 plywood over the existing subfloor which technically i am replacing the subfloor or do i need to discard the old subfloor and install the 3/4 plywood??  

Unfortunately, I don't think one exists.If you exhaust your potential down payment for a future primary residence by buying a multi-family now, then ... you can't buy that future primary residence until later.If you're running the numbers, and they ain't working, then you've got your answer.

Making that first investment in real estate can feel like a big leap, especially when you're considering factors like your savings, potential risks, and the market conditions.