how much should I put down?

[Gabriel Benavidez]

Found a deal I should be under contract by this upcoming week but the problem is I really want to put 20 percent down but if I do that will be all my money I live at home with my parents I have a good paying job 4 bills max, should I take that risk or just settle and do the 5% conventional owner occupied loan and still have some money in the bank. 

[Shawn Mcenteer]

For me having money in the bank is less of risk then tying it up in the form of more money down.  If you are planning to fix up property you may be able to get to 20% or better via renovating.