Hey everyone so I have been listening to "Bigger Pockets Real Estate Podcast" ( I do want to say how amazing there Podcast is, I'm already on number 108). Many great tips and advice that I took notes of. One of them is to keep asking questions on the forms and putting my self out there. Which I'm going to start.

That being said my question is, "Should I buy a duplex in full with cash but wait two years or if I can qualify for a loan I can buy a duplex in the next upcoming months with a 20% down?"

Before answering there are a few things you need to know.

     1) I'm going to have trouble qualifying for a loan because I'm a freelancer; meaning I need to show 2 years of income history which I am a recent graduate. (I have great credit, no loans, and I have no trouble with making money)

     2) Based on Bigger Pocket's term ill be house hacking meaning ill be living on one side and renting out the other half.     

     3) My parents say I can live at there house for the next two years till I buy the duplex, but I'm not sure if I can wait that long because I am ready to be on my own already. 

     4) On Bigger Pockets Podcast they are always saying to start as soon as you can but waiting 2 years is not starting right away. I am trying to be smart and make the best choices for me.

This is what I think:
If I wait two years to buy a duplex my goal is to hopefully have 200k in cash to pay in full but that means working crazy hours (which I'm ok with if its worth it in the long run) meaning I won't have any loans and I get all the income. Now with having that passive income from renting the other half plus working I then qualify for a loan because by then I will qualify for the loan since it has past two years. then I can buy another duplex with 20% down.

Am I correct? Is the best way to go?
Anybody else has any other opinion or suggestion that you can share.

Thank you, and kind regard
Ryan Plasencia 
:)