I am a single mom of a 5 year old so I only rent to females. 

I only have $10,000 in the bank and want to purchase this second property.  

I think it makes sense long term but would be cash flow negative in its current condition.

It's true some folks will offer negative thoughts on owning rentals inside a tax deferred account.

Negative.

Using your personal credit card is not ideal as it will negatively effect your credit score and your DTI.

Is it pretty typical to be a little in the negative when considering my unit as $0? 

That can cause problems as the companies won't want to pay more rent for space that just occupies air and landlords won't want to provide negative space that they can't collect rent on but still cost money to maintain.I have never liked the office space sector for commercial investing and really do not like it now.

If this tracks anything like previous recessions, which it may not, there may be 6-18 months of negative or flat rent growth followed by a few years of exceptionally strong growth in the 4-6% range We're focusing on the fundementals and by buying on actuals not proforma.

Total cash flow comes out to negative $200 with the estimated rent off of zillow.