Be sure to always use the bigger pockets calculator to figure out if you have a good deal or not. Agree with kelly if you are having a hard time coming up with 3 percent continue to save because that stress level will increase when something happens and you can't resolve it for the renter
Great advice @Kelly I. , as I was reading your post @Zoisa Marsden I was planning to respond with the same advice Kelly gave. Just be patient and save your money. Knowing you have a loan in place where you only have to put 3% in is fantastic and should be a huge encouragement to you. Finding a private lender to put down the 3% for you still does not give you any cushion for repairs, cap ex, etc.
Also, if you were to get a hard money loan or private money loan be sure the numbers still work because they may not.
I agree with what everyone else has said about saving money and building a cushion. Jumping into a property without one can put you in over your head.
If you are eager to get started investing and have been doing a ton of learning then why not find a deal or two that you can wholesale? This will get you well on your way to building that cushion as well as a down payment. You'll also be connecting with other investors and getting hands on experience.