Maybe people buying and not fixing up who just want a multi unit at lower price point?

@Cliff Durrett Just buy at the auction.

Our long-term plan is to eventually move out, rent both units, and buy a house of our own.

I'm planning to have a separate bank account/accounts for my entire portfolio, just wondering if anyone has recommendations for software to use as someone who'll have buy-and-hold and will be working with a property manager?

Still not sure it makes sense, but worth a look.If you want to be green, just buy a green energy plan from your electric provider if you have a choice of providers/plans.

My current tenants of 4 years have asked to buy it.

As a new property manager I’d like to be on top of that if someone asks me, what I suggest would look the best and be the best in their rental units.I had an awesome property manager who would buy the modern nice looking flooring in bulk so when his owners needed to rehab a unit he sold them the modern vinyl plank flooring for cheap.

Without appreciation, your entire return is cash flow, and buying at a 6 cap with little to no real upside, means you will be making 6% on the deal.  

In either case, I'd look for another lender.If you're going to buy a restaurant, SBA will require a resume with meaningful restaurant experience. 

With an FHA loan, you can buy up to a fourplex (if you live in one unit) and get up to 96.5% financed.