new investor - Beach Condo as STR but vacation spot

Hi all,

i am a first time home owner and i really want to also own a beach condo - for both the reason of investing as well as having a place i can go to for vacation. 

i am not necessarily looking to profit as much as i am looking to break even. 

My question to the community is - do i really need 20% down payment? is there a way to finance the condo with less down (like 10%)?

Can i borrow against my 401k?

How much money should i have set aside after purchased?

I am looking at Santa Rosa beach, FL, but really anything between there and Rosemary beach is desirable. 

I am using AIRDNA for Airbnb stats, but i just fear i do not have enough money to purchase anything ,and wont for a very long time.
I have read the bigger pockets book and unfortunately i do not have the means to save money the way the book suggests (I.e. house hacking, cutting transportation costs).