Cash/credit position be?
I am going to looking for a duplex in the 80-110k price range.
Realisticaly, I may have 20k in cash and cedit before closing on the property. Is this enough?
Not sure if I understand what you are asking, but it really depends on whether you will live in one of the units. If you will live in one of the units, mortgage companies will give you better loans with lower downpayment requirement. If you are just holding as an investor, you usually need to put more down and interest rates are higher.
off hand, I would recommend to put 10% down, roll closing cost into the loan and keep $10k free for operating cash. with 10% down, you do a 80% 1st and 10% 2nd. The second will be pretty steep (probably 10% or more), but there are plenty of lenders who will do that deal on NOO (assuming you have reasonable credit).
also see if you can get the Seller to carry that 10% 2nd note; you’ll probably get a better rate than thru the banks.