Quote from @Stuart Udis: Agreed, there are so many times where a cheap deal people think it will be a great deal and it turns out to be a money pit..

I make $62k/yr and have $24k in liquid assets ($11k in investable assets after setting aside my desired 5 month reserve fund).My long-term plan has always been to buy a duplex to house hack, but I came across a cheap 2-unit condo listed around $110k that looks updated and move-in ready.

Will be interesting to see where this and some other similar developments with ground leases set to expire in the coming years.https://hoodline.com/2025/11/pennies-for-paradise-kahala-bea...

I bet that the financing for the project will be super cheap.

We are also considering to purchase land (there is lots of it and pretty cheap) and build with a possibility of 100% construction loan (so just 20% down for land which may be equal to $40K for $200K 3 or 4 acres) the build out will be about 2 to 2.5 mil.  

Traditional 3–5 gallon tank heaters are simple and cheap, but they keep water hot constantly, which wastes energy if usage is infrequent.

On the other hand, 4% is relatively cheap debt.

Does anybody have a written contractor obligation/agreement example they could provide or know of a cheap service that provides templates?

Quartz is fairly cheap, so you can get that done and increase the demand for the place with a smaller budget. 

Quote from @Lisa Annitti: I have been listening to so many podcasts where "classes" are offered where you go at your own pace for pretty cheap.