How the heck do you guys get all this money for multiple houses?!

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After doing some digging around and speaking with several lenders, it seems that the normal guidelines for banks to fund an investment buy and hold property is a 25% down payment, plus 6 months worth of mortgage payments saved up for each financed property. I am just so confused how all of you are able to save this much money for multiple properties!! Do you guys all have 6 figure jobs or something??? I am starting to get very discouraged with this.