Hey Romario, government grants and DPA programs are oftentimes used for Owner-Occupied homes, meaning you would have to live in the home. In most cases you will need 15%-25% down to buy an investment property.
1) If you want to buy a 2-4 unit, then you can do an FHA loan with 3.5% down and rent the other unit(s) out.
2) You can do either a cash out refi or HELOC on your primary and use those funds for the DP.
3) You could partner with someone who has a Real Estate LLC (big or small) and go in together to come up with DP and purchase using a DSCR loan. You need great credit and 6-12 months of reserves for this type of loan.
4) Seller finance, where you negotiate the entire deal upfront with the sellers themselves, including purchase price and terms, and then have a title company close the deal for you. I have a real estate attorney who is great and could help you close efficiently.
Just some options for you! Let me know if you have any other questions.
