I am also wrapping up my bachelors of science degree is Finance.

@Oliver Davis are you using financing?

Anyways, that rant is over.My current situation:I bought my current house (3 bed 2.5 Bath 1790 SF in Tennessee) in 2014 on a 15 year note ($~1280/mo) with 151k financed.

Hi @Scott Granberry - HELOC is an excellent choice in financing deals, you can also use your IRA through a company such as Quest IRA to fund the entire deal or just a portion of the deal. 

Something to know BEFORE creating a contract for sure.Just saw a video of young couple who bought SFH in North fL; principle and interest was 460 or 560 / mo ; so that was affordable but then because they were financing the property there was additional unexpected 100. / mo flood insurance.  

You will most likely get better financing with little down.

@Oscar Beteta if you buy a multifamily and live in one of the units (you have to check how long for) and qualify financially for FHA financing, you're reducing your down-payment by about 15-20%.

I can relate to this post, I have a similar story. i'm early in my investing career and I learned the best is to continue to network in your area and get creative with the financing. think outside the box I do what others in your area are not.

Hey KevinAre you still looking for financing?

We bought a 32 unit apartments, with 10% down, 20% seller financing, 70% bank financing.