Hi Lisa Taylor $525k as You have notice, It dosent Buy a wow place in San Diego seems like a lot, for What You get, Also loan To Income ratio, You technically could buy a $700k depending on savings, $334 HOA is real high, I would really consider am I buying this place cause I love it and if you were you may not be asking us and you should get guided into more important since is the largest purchase in your life, is it a good investment where is my property my neighborhood My complex gonna be in 3-10 years.

I guess that just depends?  

It's going to depend heavily on your local laws. 

Hey Angel, I'd say it all depends on your state.

If you are middle class in America and you depend on W2 income for a living, the chips are stacked against you.1. 

You describe it as a duplex or triplex, depending on how one interprets what you wrote.

Abatement of asbestos is not always extremely pricey, just depends what you are dealing with.

And it would also depends on types of properties being purchased where 20%  could be a couple of thousand and not ten thousand or more.Remember that the folks that are able to do those deals have also been at it for awhile and have built up their credibility among the investor community.

Cashing out is still a considerable tax hit, but depending on your RE goals, you may want to consider notes and/or partnerships. 

This is a question only you can answer and will depend on what you want to do, there is no right answer.