I know you're trying to find out a technical answer to your question but I don't think you will.

Again, if any major expenses come up with the inspection that would likely deter me from buying.2) Technically the garage would be fine to park in, but the way it is situated it would only make sense for the tenant in the lower unit to use it to park.

I'm also a technical co-founder at GoHire in the HR Tech space.  

Hi Rebecca, well since your not technically a newbie, I'll say way to go on your first post and your first investment.

I am technically coming with 90% of the downpayment(80% HML + 10% myself) and holding costs.

Technically that is attempting to practice law without a license and judges will not be happy when you attempt to do it.There are also many pitfalls if the tenant is living in a home that you purchased at a foreclosure auction.

From their rude and almost nonexistent customer service to their technical glitches that occur without warning.

Thus, some people consider HML as cash, even though it is technically funding.

Does this mean that I can technically keep the property? 

Nevertheless, if you have approximate figures for Accounting/Legal, technically they can be added to other monthly expenses.Lastly, investors typically consider various factors when determining if a deal is worthy or not.