You don't want to lose your rate on the house you are living in now unless you want to sell it so since that is an owner-occupied, you need to stay there and save up the 20 percent for the second property based on what you said.

I bought 14 houses basically for free by harvesting the equity in my houses by doing 5 cash out refis.

Quote from @Scott Vaeth: I purchased a house in South Carolina this past year with the goal of BRRRRing it.

You’ll need to handle inspections, work with housing authorities, and make sure your tenant screening process is solid.

I am looking at different loan options but to break even (not having to put any money of my own in the house after the initial down payment) the current down payment required is that much. 

I'd second house hacking.

If you're willing and able, I do recommend the "house hacking" strategy which is just a fancy name for buying a rental property and living in one of the units, because you'll get very favorable financing - an owner-occupied fixed-rate 30-year mortgage.I'd also say, analyze that property as if you won't live there and it's a pure rental, and make sure the property is still cash flow positive if there's a tenant in your unit because then you'll know if it's actually a good investment.And when you analyze it, include payment of a property manager in your #s because if you don't, and doing so would make it go cash flow negative, then you've just bought yourself a job because you literally can't step away from managing it without losing money.

Good Morning,So I have always dreamed of getting a duplex as my first house and to house hack to get my foot in the door in real estate investing.

Besides ALE Solutions I did Express Corporate Housing and will be signing up for Furnished Finder.

I appreciate the encouragement—I'm excited to learn from and connect with investors in this community.Right now, I’m primarily focused on house hacking in the LA market, but I’m open to exploring out-of-state opportunities later in my career.