Newbie advice needed for rental property

Hello, I am a 24 year old looking to purchase my first rental property here in Florida. I have been listening to podcast as well as doing a lot of research online about purchasing my first rental property. I have a full time job, along with good credit but my problem is that I have little funds to put down on a property at this time. What options do I have as far as getting a rental property with little funds for down payment? I feel that everyone(banks, hard money lenders, etc) wants you to put down 20% as a investor or 3.5% for fha loan but if I do a fha loan I believe I am required to live in the property for a year before I rent it out. Can anyone please provide advice or partner with me to help me on my first rental property without bringing a bunch of money to the table? I am more than willing to take any advice to get my portfolio started.