So any advice for an owner occupied loan with little money down that preferably gives me a little room to do some repairs with the money?

We are growing at such a rapid pace I have noticed our systems aren’t adapting.For example, with all of the units, there are a substantial amount of repairs and maintenance going on.

Repaired failing floor joists, complete kitchen remodel...paint etc.

With high end cell phones now the quality rivals some higher quality cameras.Maybe they use a photog to use software to touch up and make better what the broker/agent took.

I'm pleased I made the jump and understand the process now because the buy is actually very simple and efficient, I had control over the offer in real time, and the final price was way below market for the size and quality of property. 

That also takes into account paying for property management, vacancy, repairs etc.

In order for it to be a good buy you want total rent for both to cover the mortgage PLUS vacancy (8%), CapX (10%), repairs (5%), and management fees (10%) (all percentages are just general, you can tweak as needed). 

@Katie Huynh Like @Austin Youmans said you didn't budget anything for CapX or repairs.

You could pay it out at the end of each quarter so they might also feel a bit of the impact from any repairs you hadn’t to make from tenants (which could again give an incentive to find good tenants)

I repaired a broken fridge.