We are very naive and trusting people, so we had major issues with contractors (had to fire the first one) giving us proper estimates and following through on their work in a timely manner, and sticking to budget.

Thanks for the follow up @Jorge Ruiz.

When considering the multi unit property as strictly an investment purchase where you will not occupy one of the units, the amount of reserves funds required to be verified will be in addition to the down payment.

This is a business that requires hard lines and strict enforcement of policy. 

the comps are as follows 1)carpet,tile 2)tile, wood 3)laminate 4)laminate, tile. 

Then follow up in a month and see if their numbers have changed.

Maybe you're not realizing that each month I'll be paying $402 (going to principal +interest) + $200 (strictly to principal.) 

Message them and tell them you want to follow them around and help them for 3-6 months for free!

I would go find the money first then the deals will follow.

I follow his podcast and he has been on Bigger Pockets podcast twice I believe but I have yet to call and talk with them.