What is everyone's strategy to using none of your own capital to invest in real estate. Those I have talked to have told me to use private lenders but typically the max ive seen is 80% LTV so where am I going to get the 20% down payment without using my own capital? Curious to see everyone's strategy's.

Partnership , Another private money. Buy deal for good price, refinance after 9 months , pay them both. I don't see why how you couldn't split your portion with the financier of the remaining 20%.  I see this as a better option compared to just putting it all on a credit card.

@Chance Hughes

My first experience with private lending was a BRRRR project. The lender funded the purchase and I funded the rehab. Project went according to plan. Next project and continues to fund my purchase and rehab 100%. It takes time to build trust. You might be able to use two private lenders for the 100% funding. It's tough to have that trust on your first project.