I have a 3 unit building under contract and am looking for some competitive loans. I’m a newbie, only have tax certificates in my portfolio as of now that I purchased with

I do not intend to owner occupy which is forcing me into the 20-25% down category and as a newbie I’d rather not use that much of my capital for one deal.There may be an a opportunity to expand and add some mobile homes or another 2-3 unit building so I want to make sure I don’t handcuff myself with a poor financing choice.

Any insight or suggestions would be helpful.

If it's a good enough deal, there's always the option to find an investor to put in the down payment and you cover the monthly payments.  They get 25% of the deal and you get 75%.  Or you can sell only a part of the down.  Have you broached the subject with the seller to see if they will take a 2nd for the down?  I bought a home with owner financing and negotiated the down payment to 7% (just enough to cover the RE agent fees).  Maybe they would take back a second for 18% for 5 years.  Of course all these numbers are negotiable....