Do I need a 20% down payment

[Benny Moya]

So I know that many people say giving a 20% of down payment will help me not pay a mortgage insurance. Want to know around how much is that insures cost per month. Because here Virginia Alexandria, 30 to 40 minutes driving from the White House. where I live you only find houses of $200,000+ and getting a 20% will mean $40,000 + closing and other things we talking about $30,000 means few years of saving for me. My goal is to buy and fix them a bit maybe flip them or rent them. How can I really start if I don't have that much money for down payment. Any help will help thank you.