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Money in the GTA universe is relatively easy to come by. It was easier in GTA3 than in Vice, but $14K is still a drop in the bucket. Rob some stores, do some Vigilante/Pizza/Ambulance/Fire Truck missions, plow over parking meters. You'll make it back in short order.
The condo in question is invaluable for several reasons:
1) It's the only hideout with a garage that you'll get for a looooooooong time on the western island. The only other readily-accessible hideout nearby is the Skumhole Shack, which is cheap but is just a hole-in-the-wall with no features.
2) Lotsa garages for vehicle storage, including one big enough to hold a tank.
3) Hey, free helicopter!
4) Until you finish a certain advanced mission, you can't buy ANYTHING that'll produce money for you.
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