Not eligible for any repair programs: they will go through a consolidation after 3 months.I could get a secured credit card.Just to add more clarity around the goal, I am aiming to get an FHA loan to buy a du/tri/quad plex.

Make people program your number in their phones.

This means keeping the security deposit in a separate bank account, tenants depositing rent into a separate bank account, and having the ability to apply for a business credit card to charge house improvements and repairs to.

I’ve been provided pictures, repair estimates, ARV, etc.

I really want the phone #s I’m way better on the phone and want to jump right into building a relationship.

The 115,500 is probably the value of the duplex with very little repairs. 

Make sure though that you have reserves in case of needed repairs since you are reducing your cash flow for Year 1.While you would be above the $15-20K range you stated, negotiating a much lower sales price will reduce your down payment and doing a conventional purchase would put you in a much safer situation.Best of Luck!

Little to no repair and ready to move in.

But you may have other expenses including cleaning, replacing worn out items and other repairs. 

@Edward B. thank you - I was searching the forums for info about USAA's lending after I hung up the phone and found similar remarks.