Struggle with initial out of pocket cash

[Michael Kissel]

Looking for my 1st property and found a great 3 unit yesterday.  Done the analysis and return and cash flow is there but the asking price is $180K. Very little work would need to be done to the property.  With 20% down and closing costs, that means approx. $45K out of pocket initially.  that worries me as it would be several years to get that back.  is that normal?  Is there anyone in the Buffalo, NY area I could talk to about financing so initial out of pocket would be less?