Getting one property and cashflowing it will be a challenge. you can try seller financing but you are still going to be highly levered which just enhances the risk that you are taking on.The best way to grow is to focus on managing your rental, saving money through your W2 and crushing that - if you are a realtor you will make more crushing it as being a realtor than over leveraging real estate - then save for down payment and buy slowly. its not a rush.

If you are in a state where eviction cost is high and it is tenant friendly you may need a higher credit score to offset default risk and eviction cost.If you are in a landlord friendly state where it is easier to get non paying tenants out you may be able to handle more none payment risk.  

Sometimes it's nice to get a new lease so that you can increase the rent right off the bat, but having tenants with a solid payment history is worth so much more to me.

Just dont miss payments and you will be fine!  

Low down payment (3.5%) is attractive, but comes with mortgage insurance and might not offer the best rates.

typically with seller finance there would be some period of monthly payments and then a balloon where you pay off the balance in full. 

Booking.com tends to be more hands on since you have to setup up a payment processor and take payments from guests.

I'll looking forward to your immediate response.Please resolve this issue ASAP, our tenants have already submitted the rental payment to your Appfolio account $49,987.00(attached report), however it is NOT showing this amount in your account at all, not even mention transfer the fund to our BOA account.

Do you mind expanding on how you attained closing cost and down payment?

Health insurance payments, Health savings account lots of options.