Can’t seem to find financing as new investor.

[Quincy Jones]

I read all these articles and videos where ppl swear up and down you can get financing as a new investor with low down payments or dscr loans etc. but I’m finding they all have road block catches. Not sure how anyone starting out can break in without being rich or cash heavy. I have been looking into buying in Milwaukee Wi, things there are affordable I have $28k saved up and a lot of the duplexes there are around $60k-300k but how am I suppose to get financing when lenders are requiring a minimum of $175k loans, 9.8% interest rates, and want you to have a buffer of 6 months savings for mortgage. Like why can’t I just get financing for a $80k duplex so I can get my feet wet? Or maybe I’m just so unknowledgable I don’t know how to do it. Anyone else having issues finding adequate lenders for starters?