We've worked with local banks and been able to finance the three we own without any issues.I don't necessarily know if it's "beginner" investor friendly but you'll learn everything you need in the bootcamp which is the gold standardWe get loans with 3-7 year balloons and 25 year amortization typically

you will not find a cashflowing property at 100% financing whether its with a traditional loan and heloc or whatever the terms. 

Quote from @Guadalupe Batana: Learning about different types of loans is always a smart move, especially as an agent.

Our area has a good selection of hard money lenders, and every now and then, you might find an owner willing to carry the loan, often at attractive rates.

I would suggest reaching out to owners of multi family who have no loan on the property.

Great tools that get updated regularly.I am on the lending side of things and would be happy to hop on a call with you anytime to discuss financial strategies and help answer any questions you may have about nearly any loan product available to help you on your journey, even if they are not products my capital partners offer.We are all here to help you learn and grow.

Here's a breakdown on loan options to consider:FHA Loan: @Brittany Minocchi is right in looking at FHA option.  

Conventional loan, 20% down non-owner occupied.

A self-directed IRA or 401k can be a great vehicle for loaning money to others without getting hit with taxes on the interest income.

Also, have you looked into DSCR loans for the refinacne portion?