Please tell me "it's all in my head"

[Ian Davis]

I keep thinking to myself the following statements: "Somebody else out there already scooped up all the great bargains."; "There's no more income to be generated."; "I won't be able to rent it out."; and "I'll default on the mortgage." Please tell me this is just a case of the "chicken little (s)". I think fear is setting in because I don't know how to finance a second property, with having very little equity. I suspect I'll have to vouch for it personally, right? If so, what's the down on a conventional loan? Or, do I have other financing options? I'm on a fixed income (disabled vet). Any ideas here? Love this site. So much wonderful information.