So 1 to 5k EM are usually handled through negotiations with the parties.. as a buyer JUST DON"T SIGN THE RELEASE and then negotiate. 

@Chris ClarkDid you review (IRC Sec.72(t)(2)(F)).The distribution may be taken to pay the qualified acquisition costs for a principal residence of a first-time homebuyer who is the IRA owner, the IRA owner’s spouse, or the IRA owner’s child, grandchild, or ancestor of the IRA owner or her spouse.The interpretation  is yes a duplex would also fall under this exception since it is your primary residence.The aggregate amount of IRA distributions taken by an IRA owner that may be treated as qualified first-time homebuyer distributions cannot exceed a lifetime limit of $10,000.first-time homebuyer.

Either we need a lot more details, size, layouts, what style cabinet, counters, appliances (at that point you could probably find out costs yourself), or have contractors need to price it for you.

Doesn't have to be exactly the same, but should be roughly the same style in terms of finishes and paint colors.

But as an individual landlord you need to check the law and make sure you follow it to the t.

@Levi T.

start your real estate life style by buying a fourplex via FHA and as soon as you move in get the other units rented with good tenants.

Or more simply put, don;t buy a money pit.

You can lose your shirt in apartments.

Originally posted by @Derek Persuit: RUBS is the allocation of a master utility bill (water/sewer, electric, gas, etc.)t o your tenants.