Help finding creative financing with low down payments

[Andre Wilson]

Hello BP,

I'm currently looking to buy my first investment properties here in Rochester, NY. I would like to bundle about three properties with one being a single family and the others being at least two-four family where I would like to do a owner occupancy.

I'm planning to get pre-approved for a loan with a low down payment (3.5%) that will allow me to bundle any three properties that I find. I was thinking about using the FHA approach so I can also do some renovations my budget for the properties is 120,000 which is very doable in this market.

My main issue as of now is to find a lender who has products to fit my needs as close as they can so I can begin my journey as a real estate investor earning passive income and providing great homes for my tenants.

If anyone can point me in the right direction that would be greatly appreciated or refer me to any local banks that may fit my needs.

Thank you!!