Indicating whether or not they're free to perform non emergent repairs below a spending threshold without consulting me first. 

Hoping to get some feedback on my strategy.My plan is to save for one year (45K) to cover DP (5%), closing costs (12K), and emergency fund (6K); buy a fourplex in a class B neighborhood; rent and hold long-term.

Most BP folks want to build long-term wealth through buy & hold so multi-family house-hacking is typically my suggestion in a market like NY.There are some emerging markets throughout the country where a 20% down payment is about the same or less than a 3.5% down payment in NY.

It’s a lot of work but if you want to you just have to setup systems in place so that things will flow easy when you have a repair needed or an emergency.

What does your contract stipulated for these emergency situations?

Landlord has HO6 walls in policy who is that agent/policy#/emailHOA even if an emergency had to notify you in advance.

Assuming I purchase at asking price, I only have enough for a 15% down payment plus closing costs, a tiny bit of rehab, and an emergency fund of 3 months worth of expenses.

If it’s not an emergency you can certainly get another quote or two and use someone else.

A majority of folks are living check to check, drowning in debt, and don't have enough money to cover a small emergency expense.  

Who knows, maybe the inspector became ill or had a family emergency?