Creative financing for first time home buyer

[Michael Maloney]

I am a 22yo first time home buyer in Indianapolis looking to creatively fund my mortgage. My wife and I have thought about house hacking, but most of the duplexes and triplexes are in lower income areas where I do not even feel safe with my wife going on walks with our dog. For this reason, we are looking into buying a single-family home for ourselves, and also buying a duplex or triplex in a rougher area and using the cash flow from the investment to help cover our mortgage.

The problem is, we only have about $20,000 to put on a down payment between the 3.5% down and 20% down conventional loans. Does anyone have any ideas for how to creatively finance the duplex or triplex without having to put 20% down? I’m also open to talking on the phone about this, just message me for my number

I appreciate all of the help and insight!