New member from California

[Javier Alvarez]

Hello bigger pockets community. My name is Javier Alvarez. I am absolutely brand new to real estate investing. My main interests are buying and holding rental properties (especially multi family housing) as well as fixing and flipping properties. Honestly though I want to learn as many aspects of real estate investment as I can. I am basically at the very beginning of my journey as I have recently just started establishing credit. Prior to this year I had always been hesitant to  delve into the world of credit and my mindset was, If I don't have the money for it why charge it and if I do have the money for it then I don't need to charge it.  

But as I began growing interested in real estate as a form of passive income I was advised that credit is akin to a résumé for financial institutions. In contrast though as I read more information and watch more videos(which is how I found this website) I hear about getting properties 100% financed. 

Ha, so sorry but it looks like my introductory post turned into my first question. 

Is it truly possible for someone such as me establishing credit to get a property 100% financed and for said loan to not be a huge risk?