First Multifamily Property Financing

[James Potter]

Hello all! This is my first post on here and I’m stoked to engage with all of you and ultimately provide value to the forum! My wife and I are preparing for our first RE investment property - most likely in Q3-Q4 2023. We have never had a mortgage. We bought our home and 5 acres for $90k cash off an auction in 2018 and have put ~$150k cash into rehabbing it. Given this, although we don’t quite have the capital for a 20% down payment, we do have solid credit and W2 income. I know there are several ways to leverage our free-and-clear house. Any suggestions on potential creative financing; recommended lenders; etc..; would be greatly appreciated!