We set some aside for expenses and are in the GREEN.

NY and the Tri-State area is a very expensive  place to buy.

(can't read the handwriting)Not to mention you are in New York which is the most expensive market in the country.But as others have said, when in doubt get another 2 to 3 other quotes.  

It is a BP-coined term referring to living in a room of a SFH and renting out the other rooms OR living in one unit of a MFH and renting out the other units to reduce (or remove) your out of pocket mortgage expense.

I have identified an apartment complex that will have slight + cash flow with conservative expense/revenue estimates and 100% financing. 

By renting out the other side, you'll have far less to pay towards the mortgage every month.This allows you to control a more expensive asset for less than it would otherwise.For example, buying a single family home for $350k with a 10% down payment and a 5% interest rate would give you a PITI of roughly $2,321/mo. 

Your equity would do far better invested outside of these two properties.To keep up with rising expenses, interest rates included, is to raise your rents.

You don’t want a budget firm that will cut corners, but you also need to keep in mind that the management expenses eat away at your earnings.

But if you were selling a property in the US and wanted to purchase and improve a less expensive property then you could do a process called an improvement exchange. 

I'm currently saving about 70% of my income monthly because I have barely any expenses.