How to choose between varying loans

[Stephan Guna]

Hi all!
I'm a new investor, I have done a ton of research and starting to look into deals at the moment and finally feel like I am ready to dip my feet in. I am primarily looking in the Cleveland, Canton, Akron, etc Ohio areas for investment properties. One question which I am still dealing with is the choosing between a the varying loans. I will be primarily looking at multi-family(duplex) houses and recently got pre-approved for a 25% down payment for a multi-family and a fha for 3.5% down.
However, this is where my problem arises so obviously I have to live at the property for FHA however I have no intention of moving out my current home. I have around 50k saved up, therefore I should be ok with the 25% down payment but my biggest concern is that I won't be able to expand as fast with 3.5% down payment vs putting 25% down. I would have less liquid cash, therefore preventing me from investing in another property at a faster rate.
Do you guys think I should go with the 25% down payment for a mulit-family(duplex), also are there any other options between 3.5%-25% I should know about concerning loans. 

[Mason Liu]

Hey Stephan,

So if you have no intention of living in the property at all, you won't be able to get an FHA loan as that is for owner occupied properties only.

Talk to some more mortgage brokers. You may be able to find some investment property loans that require less than 25% down (at least I believe so, though it's been a while since I've asked about fannie/freddie investment loan quotes).