Newbie in Philadelphia. First post!

[David Cha]

Hey everyone, first post and still learning a lot! I recently moved home with my folks in January to start saving for a house and then the world fell apart so, at this point, i'm in full on savings mode and learning as much as i can. I came across the podcast as well as other youtube channels and had some questions for the community about a first home purchase using a VA loan or if i should go another route like FHA.

I'm a veteran in my 30's and I'm looking in Philadelphia. I'm interested in going the owner/occupant route. I hope to have about 25k for a downpayment saved in a few months and an excellent credit score. The multifamily properties near me that are in decent areas are around 400,000.|have a very gov stable job and friends that would rent the unit(s). One property I was looking at, would probably be out of pocket a few hundred dollars for the mortgage after the units are rented out. I would like to get started as soon as possible but don't know if i need to save up more money or if this is a wise investment. I cannot live with my folks forever so i am itching to get out and want my first property to be a wise investment and not a nightmare! Thoughts? If i missed anything or other info is needed, lmk.