The right way to start. Which option?

[Josh Brosius]

I've been researching multifamily and I'm excited to get into the business. Only thing is I'm 21 and have just started my full time job a year ago. I've talked around and have decided there are two choices that would benefit me. 1.) Use a FHA loan with 3.5% down and use the rest of the money I have saved for improvements and a safety fund. This way I can start my multifamily investments as soon as possible. 2.) wait for my 2nd year of my job which will qualify me for First Home Buyers Club which is something my bank showed me. They match what you have in your savings account over a ten month period up to $7,500. So if I put 7,500 away, I would have 15,000 all together. This option gives me a good down payment but puts of my excitement for investing almost two years. I'm eager to start and I'm curious what's the best way for me to go about it. I have enough for the down payment now for FHA but wonder what's the best method Thank you for the help Bigger Pockets Community