Ways around 20% down on rental properties

[Michael Flood]

Hello all,  @William Blue and I are close to being ready to purchase our first buy and hold in DFW.  I have spent the last several hours reading through posts similar to this on asking for if there are any ways around the 20% down rule for rental properties.  Has anything changed since interest rates have dropped?  

-We have access to VA and FHA loans (not sure that this matters)

-Neither of us currently own a property 

-we'd be looking at a single family or duplex

-we don't plan to owner occupy

Any other advice would be much appreciated - Whether to use a realtor, easy ways to save, etc.

Thanks and apologies in advance for the noob questions.