Should I use mortgage or private lender?

[Geoffrey Tanudjaja]

Hi BP community!

I have an honest question about what option should I use to buy my 1st investment property.

I just started my new job 3 months ago and I have a good credit history. I know that from podcasts and webinars, people discuss how to invest in real estate with no or low money down. However, one of my concerns with this strategy is the possibility of an adverse relationship between partners. So, I was thinking of using a mortgage. I did a couple of analysis and if I manage to pay the DP, I can still earn around ~12% cash on cash ROI.

Would you all suggest that I use a mortgage? or should I seek partnerships especially for my 1st investment property?

Thank you and looking forward to discussing this issue with the community!

Cheers,