Single family home or duplex ?

[Curtis Sharpe]

Hey guys I'm having a hard time choosing weather or not to buy a single family home or a duplex for my first investment property, my problem is I have like 130k saved so I'm skeptical about buying a duplex because the 20% down payment would be close to 80k where as if I stick with a single family home I could probably put a down payment on three or four properties with room for renovations and errors if need be, my girlfriend wants to steer towards the hack house strategy and get a duplex I'm just worried that would eat up most of my finances for other future properties. What would you do ? Please help.

[Brandon Sturgill]

Just owner occupy and use an FHA loan..up to 4-units is "single family"....3.5% down, can't beat it....unless you're a veteran...or maybe can qualify for a USDA loan...