Second Multifamily property purchase.

[Brett Aguiar]

Hello everyone,

Looking to move forward on obtaining my second investment property and I would like to hear some opinions. Some background, I purchased my first duplex last year using my first time home buyer 3.5% down with about 25k in equity. I am fortunate enough to have a sum of money left behind from a family member of about 100k. Will I be able to buy the next house with anything less than 20% down, if I use it as a primary residence?  My girlfriend still has an option to use her first time home buyers 3.5% down. We are looking to figure out the best way to move forward with real estate investing. Thank you all for your time!