If that's the perfect house or the perfect area and the only thing you're worried about is being $100/month short I'd break my own arm trying to sign the listing agreement faster.On the other side what if you feel that your $80K of profit is at risk. 

If you buy it for 600k, and it’s worth 700k prior to you spending a dime, then you have 100k is inherited equity.Now, if repairs are needed, those that are necessary for safety come first (heat and AC would fall here), those that will prevent damage come next (roofs), those that deliver what any tenant would expect come next (appliances).  

We closed last month in New York on a 4 family. 10 year ARM amortized at 20 years. 4.625%, no points.

Typically need a DSCR of 1.20x in a top end 80% LTV with a Int-Only 20YR Hybrid ARM. 

The City's safety seems to be eroding a bit. 

This one is now protected from debt risk and can be a safety net in a down turn as all you have to do is adjust rent enough to cover taxes and insurance without worrying about paying a mortgage. 

Guests are more concerning about healthy safety during this time.

The major engines driving it are safety concerns and restaurants/service industry not at full capacity.

Using this process you could fairly quickly acquire a good number of doors and maintain a large safety-sum of cash-on-hand, which I assume is why you've kept 100k available at the moment.

can't do delayed finance with hard money, has to be arms-reach funds. private money might be an option but the best option, if your'e going to live in the place, is find something that you can live in