Asking for honest opinion about what I should do next?

[Geoffrey Tanudjaja]

Hi BP Community! My name is Geoffrey and I just signed up as BP Pro members couple weeks ago because I really want to know more about real estate investing. A little bit about me,  I just moved to Detroit downtown metro 3 months ago and I am inspired by Brandon's "90 Days Challenge". Currently, I am doing 1 analysis per day while learning the concept and lingo behind real estate investment on the side while working full time. I just graduated from college and to be honest I do not have a lot of hard cash with me to pay 20% DP for properties (Good thing is, I do not have any student loan as my luggage). I did get myself prequalified and the loan officer told me that I can only buy SFH and I need to stay there for min. 1 year before I can make it an investment property (this option is available for me if I decided to pay DP less than 20%).
I am mostly interested in multi-family properties because I can either live in one unit and rent the other or rent both units out for cash flow purposes. However, the realtor told me that I can only buy multifamily if I have 20% down. Looking at the current mortgage rate (close to 5%), I am indeed a little bit cautious if I decided to buy a house (SFH or MFH).
My game plan now is to save up my money for the next 12 months, so that I have enough principal to put 20% down for a property while learning real estate investing concepts since I am very new to all of this.
May I ask what do you all think about this strategy? What are my options?  All your opinions are much appreciated!
Cheers,