Money for down payments

[Andrew Smith]

I have just started the process of trying to buy my first rental property. I have 22k in savings and was trying to find a house in the 90k-100k price range. The lender I talked to said I would need 34k for down payment, closing cost and reserves. I assume they are giving a conservative estimate for closing cost. Does this seem right to anybody I'm going to do my research on closing cost but figured I would get some first hand advice also. Does anybody have advice on the best way to raise some money fast for down payment/closing. I could for sure save up for it but that would take a couple months and I am trying to get the ball rolling on this because I am in the military and soon will be transferring to a submarine which means no more free time. Any advice would be appreciated.

Thanks