Down payment help!!!!

[Nikki Jacob]

I've been researching and we would like to jump into real estate investing by way of buy and holds, and fix and flips. We (my husband and I) can qualify for a conventional loan, but we don't have a down payment. I absolutely DO NOT want to go begging family and friends for money, so. besides hard money loans, are there any other ways to get down payment money? Are there loans out there that don't charge 20% interest that could be used for down payments? Is there some key to this that I'm missing? It is so frustrating, I really want to do this, but I don't have the resources.