Or will I just waste my time and just wait to build up some extra savings and credit?

@Landon Bleau is right...it's not about the number of units but about the SF...plus add for the extra kitchen and bath(s)And your numbers look a little light to me.

With COVID now, it could actually be that the sellers are sick and they do not want to tell the buyer that as the buyer may not want to buy a house where the past owners had COVID.Or the sellers could be concerned with the buyers being sick.Personally I will not allow extra "visits" again after being burned by one in the past...unless I am nearby to make sure it is only to measure or look at something. 

You want to address problems head on.Keep in mind that extra basement storage is of value to tenants.

I would honestly be okay with $120 a month because i think getting the first property is more important to that extra cash flow to me.That number is after mortgage, insurance, taxes and 25-30% for vacancy and maintenace.

Therefore in my case, adding a studio apartment will add approximately $7200 in NOI annually, which on an 8% cap, equates to $90,000 in value added, plus a ton of extra cash flow.

I obviously don't expect to get much money back would be happy just to get my apartment units back but thinking of taking tenants to small claim court in parallel to UD to put extra pressure on them.

Christine holt, agent, went the extra mile for me.

If you can acquire long term tenants that wont completely destroy your property, that's probably more valuable than making an extra 100-200 on tenants who do.

But it's for flips, and having that extra $20k is more important than paying an extra $175/month in interest since it'll only be drawn for 3 or 4 months at a time.