Current cash for this deal is $56k for down payment, and I have an additional $15k for emergencies. 3.5% down would be $36k and the other $20k for closing costs and other fees. 

What you are proposing will take more than the $100k you have access to, and those funds I would consider as "emergency only'" money. 

A "state of emergency" will be put into effect regarding affordable housing (WTF does that mean?) 

As a home Owner, you cannot get same day service without paying "emergency" pricing.

I'm 24 years old and have about $26k saved with ~15k designated as my emergency funds.

Where the gap exists is more on preventative care, not emergency care.

Tell them when to contact you and what is considered an emergency.

By analyzing this data, we can identify emerging trends and opportunities, as well as potential risks and challenges.For example, market data can help us identify neighborhoods with high growth potential or undervalued properties that offer a strong return on investment.

One thing I see now, and still coming, is the emergence of private lending and mortgages as a major force.A huge vacuum has been suddenly left by the banks retreating, and capital will find return.

If it was an emergency (family illness), loss of a job and they have a new one or something similar, have them do a lump sum payment and add a bit to the rent for the next couple of months.