You can use tap water to set up a new tank. Mostly you just need to remember to use a dechloronator.
However, the largest downside to this is that there will be lots of nutrients still in the water. This means stronger initial algae growth.
My advice. Go for it and use tap water if you want it up and running. Throw in your live rock, live sand, and/or bacteria after you dechloronate it. Let it cycle for a while; keep the temperature good; and then do large water changes with RODI to help export those nutrients. It’s easier to do large WCs before you load it up with fish, Corals, and CUCs. Personally, in emergencies, I’ve done 50% WCs dozens upon dozens times with no ill effects to help manage disasters in my friends tanks. But even 30% will go a huge way! (Most people will freak out at 50%). Regardless, warm up your new water when doing those WCs.