Any Lenders Asking for Less Than 20-25% Down Payment?

[Brian Adzadi]

Hello BP Family

First I want to thank you all for help guiding me in acquiring my first rental property.

My only dilemma is that I really want to buy more rental properties but the down payment required by many of the lenders are a minimum of 20% or higher (They said that is the new requirement set up by Fannie and Freddie on investment properties). Just this rental property I acquired took up  most of the capital I had to invest.

However, I see my colleagues here on BP who are saying they are acquiring their 5th-10th property. I just want to know what lender are they using to obtain these properties without using so much of their own capital.

All in all I just want to know if there are any lenders out there, that you guys know, who are willing to mortgage a property without requiring a high down payment?

I cannot house-hack. I don't want to use hard-money lenders. The credit unions I know ask for an 75%-80% LTV so that is out. I may be willing to do a partnership.

Please BP members, tell me your secret.