Advice for building porfolio, even if first multi has 96.5% LTV.

[Timothy Woodland]

I recently financed my first 3 family using an FHA 3.5% down loan. I am looking for advice on how to set myself up to expand my real estate portfolio given that I have such a high LTV % (96.5%). I would like to continue to purchase mutli families and my strategy is to live in one of the units while improving it then move to the others and do the same(I believe its referred to as house hack).Obviously banks may not lend to me given that percentage so I understand that hard money lenders may be the only feasible option. Does anyone else have any advice or suggestions?

Thank you