Should I bid for an 2 room BTO if I am going to inherit a flat or let the money grow in the OA account ?

Depends on your needs for your lifestyle. Are you okay staying with your parents

If you dont mind staying with your parents, just continue to do so until you inherit the house. Housing is expensive and you are better off using the mortgage money for your investment, etc

If you can afford, I would get a studio/1BR condo/EC, and rent out the HDB flat to cover the mortgage while staying in the condo.

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That way, it's a higher appreciation of capital due to the higher leverage.

I would bid for the 2 rm.

If you do get the 2rm, then in the meantime, you can decide if you want to keep the flat.

If you are keeping the flat, then give up on the 2rm.

Otherwise, cash out and stay in your 2rm.