minimum money down pay off slowly, or big down payment and pay off multifamily quickl

[Rino I.]

I'm looking to purchase my first multi family home.. I keep seeing different things about money down towards a investment.  I see more videos about putting down  as little as possible... What's the better strategy..  putting the 25% and just pay the mortgage balance with the rental money.  

Or larger down payment and pay the property off as fast as possible with the net cash flow towards the principal leaving nothing for myself at the end of the month.?

[Ryan Muska]

I would say it depends on what you are more comfortable with and what your strategy is. 

Is it to leverage money as much as possible? Put the minimum down.

Build your portfolio as fast as possible? Minimum down.

Have as little debt as possible? Maximum down.

As much equity as possible? Maximum down. 

Don't have a preference? I'd suggest minimum down. 

Also, there is a possibility that you can put less than 25% down. If you plan on living in it as a primary, you can put as little as 3% down. Even if it is just an investment property, you may be able to put 15-20% down if you qualify for that type of program.