Closing Costs in the Loan

[Jacob Rivera]

Hey BP, I'm New to REI and I wanna start with purchasing my first property as a House Hack. Since I would be a first time home-buyer I believe this route has more and advantages in terms of financing and getting my feet wet with rental properties. My concern is I don't have a ton of cash of my own for a down payment & closing costs. I have heard of loans where closing costs are included in the loan itself and don't have to be paid out of pocket. However, I haven't run into many mortgages brokers who allow this option ( I live in Upstate NY). Was wondering if there is a specific loan type that allows this, or if there are specific criteria to qualify for this type of loan?

-Thank You