FHA loans and multi-family rental

[Amaf J.]

Hello,

I've been looking at multi-family properties, mostly four-plex, to see if I can find a potential property to purchase. I did research on how to analyze properties to see if the deal makes sense or not. The kicker is that I can't find a property using a down-payment of 3.5% with a FHA loan w/o having to pay out of pocket? Is this normal or not?

Can the gross rent roll ever cover the expenses w/ mortgage payments at a 3.5% down-payment? Based on my math it's hard to find that realistic.