Taking the steps to invest in my first Multi-Family home

[Raeshelle C.]

I've never done this before. I live in Massachusetts and am 26. I have been out of college for a year and have been working full-time for 4 months. I have been saving money. What is the least amount that I can save on a down payment on a 3-4 unit home? I plan to live in the house and then move out later down the road. And I plan to buy a second house, then a third house and so on. 

Saving $20K would take too long though. I can save between $5K - $10K. What kind of mortgages can I apply to with this much money as a down payment? I'm also scared if I save 20K and then use it all on a house and the investment doesn't work out, I'd be out of 20K. I do not have any military experience or anyone in my family who's been in the military. My plan is to eventually be financially free.