You could do that for 3-5% down.. live in it for a year to meet typical requirements for use… then move into a new house, and ‘voila’ - you bought your second (multi-family) rental for 3-5% down instead of 20-25%.It is entirely possible though that you will face debt to income issues on your first rental if your lender wants to see a year or twos worth of rental history before counting your rental income to offset your debt payments…so beware of that.Otherwise you may have to look at creative financing… maybe bringing in a money person where it was a short term investment for them, like “I’ll give you 8% on your money (versus the 4-5,% you could earn from the bank CD) if you will partner with me on this purchase.”

Consider partnering with your parents to co-sign a mortgage or exploring creative financing options like FHA loans or private money lenders.

Listening helps you understand what the other party wants, allowing you to craft creative solutions and close deals.Leveraging due diligence for negotiation and decision-making is a powerful strategy in real estate investment.

However, we can also play with this in a creative way.

If you are looking for a more personable setting with no agenda besides helping each other find success and sharing creative Real Estate Investment strategies, we would love to have you! 

It's a lot more comfortable being an investor that incorporates all aspects of investing in real estate, in the context of “time”, but I guess that is what makes the top 1%.

If you are not already, join Pace Morby's Creative Real Estate Facebook Group.

It’s very hard, requires years of experience, perseverance, grit, and creativity — and it still lets the best of us down at least 2 out of 10 times.

It's a good question, because it's a subto mentorship geared towards creative finance, but there are modules for everybody.

Ultimately, the property is part of a business, I am trying to get creative so i don't have to purchase it all at once.Thoughts?