New to real estate help

[Tommy Cahill]

I’m looking to buy my first property I’m 20yrs old I have no credit history no debt I applied for a secured credit card to start growing my credit I’m going to deposit $300 and just put $30 on the card every month and just pay it back automatically.I am looking to buy a multi family house for around $88k-$116k 4-5bds. I will be living out of one unit and renting the other. The area I’m looking at has a college near it so I plan on renting out the other space as student housing should I apply for a fha loan or are there better loans for my situation. I have $8k myself to work with and my brother who also wants to get into real estate and has my exact situation no credit history no debt has $7k should we pair up and leverage our money together on a single loan?can we even do that? Or should we take out separate fha loans for 3.5% down buy 2 multi families and rent them out.Thankyou

[Stephen Keighery]

I agree with @Cameron Whitehead on owner financed and I would add subject to deals. You idea to househack is a good one.