Ready to dip my toes and already discouraged.

[Anthia Rymer]

Hello all, 

I am a newbie to REI; looking to invest in the Upstate NY area. I have been studying multi families for almost 6 months (reading, podcasts etc). I have seen properties online and figured, it's time to get in. So I called for a mortgage and was told that I need to put 25% down and can only be a 4 unit max. Which I already knew... Also, I don't want to house hack, as I live in the City and don't plan on moving any time soon. Here's where my discouragement comes:

1. I don't want to use all of my saving as a down payment;

2. I want to purchase more than 4 units (Go Big or Go Home);

3. Even if I start an LCC; I can't get a commercial loan without being in business for a while (so I think). 

Ideas, thoughts, encouragement is welcomed! 

Thanks!