We were planning to save money, build our credit back up, and buy a multifamily with an FHA loan in a year or two.

As a Contractor, we do not not like to have to keep negotiating prices, waiting for material that was ordered by the investor or waiting for another contractor that the investor saved $500 on from our bid, Hire a Contractor to do the job, know what you want before hand and do not make changes.

Do you participate in an employer sponsored retirement savings plan?

I have about 37K saved and will need to utilize a low down payment loan program.

She recommended a pre-sale inspection which has probably saved my booty! 

At our current rental we obtained the permits ourselves as the homeowner without any problem and did the work ourselves which saved us a lot of money.

Save up for a down payment on another unit(s)?

I guess part of my question is that if we can get the down payment with savings or OPM, is there a specific way that you approach banks to say that it will be an income property making X$/month and so that it keeps your DTI in a more appropriate range? 

Trying to determine how much it will cost and how much I can save on rehabs.

As far as I know any bank in Ukraine will give this return or more with a regular savings account.