In some cases, it may even generate positive cash flow, allowing you to save or invest the extra income.Build Wealth: Over time, the rental income from the basement apartment can contribute to your overall wealth-building strategy.

I was unable to find even ONE review on them.

Accountants are in such demand, that the best are not even accepting clients half the time.The other problem I see often with accountants on here is that they specialize in larger investors, and have really high prices when you as a smaller investor do not need all the bells and whistles.Another thing I see is folks thinking they need to have a tax professional in their state.

He was basically saying to me- "sucka, there are no late fees so I don't have to pay" (even though he was 6 months late on a 12 mo loan).

If you are behind and this would be your last property to ever buy, I actually would consider getting the fourplex and then put the net profits into another investment (simple as high interest savings or even into the market).

Biggerpockets also has a calculator you can use to analyze deals and I highly recommend you start this as soon as possible, even if you are not ready to buy.

They could downsize into something in a more modest price range or even become renters so they don't have to deal with maintenance etc. 

Is this something I should even worry about? 

I will keep this positive attitude even when the going get rough :) 

Taking out a loan for EMD would make it way, way too tempting to look past issues in DD and close no matter what.I'd also be concerned about the ability to close in general if cash is too tight to fund even the EMD.