Scared to take the Leap MN

[Brian Whetstone]

Thank you in advance for any advice/kind words. 

I have been a bigger pockets podcast listener for awhile now, read some books on Small multi fam, searched for deals and ran some analyst. I feel comfortable with the Math behind real estate and know a thing or two about small fixes around a house but by no means an expert on everything to look for.  

I Keep finding myself at the edge but scared to jump in head first. The 2 real estate friends I have (both own properties for few years) Have told me to find a deal I feel is good and the majority of the learning will come by doing. 

I have found an off market Duplex Close to Mayo hospital that's currently both rented out and coming in at .9% of the 1% rule. 

I have 2 main hang ups. 
1. Financing, I work as a solar sales Rep, 1099 with no base (love it) but financing has been harder to come by without 2 full years of commissions. Would waiting until this is fulfilled be advisable or getting creative and starting now.
2. House hack or no. Financially ether one works 5-30% down. I keep going back and forth on which is more appealing to my family. Myself girlfriend and 2 year old currently living in a apartment. 

I am excited about taking my first real steps in real estate and building a portfolio to support myself and my family in the years to come. 

Any feed back is greatly apricated.