Thanks tons and if this question sounds very immature, i'd say 'that's about right' given how new to this game we are.Thanks again!

So I’m trying to come up with a game plan  Conventional loans do require 25% down on an investment property.

You don't want to be so focused on getting into the game that you leverage the start of your entire life just to do it.

I'm new to bigger pockets and more importantly I am new to the real estate game.

Many online courses are self-paced, so working on it in your spare time is absolutely doable.If a career shift isn’t your goal, you can still learn the "game" through various other means.

It's a whole new world to me and throughout the dozen books and hundred podcasts I've listened to so far I've waffled back and forth from feeling encouraged and excited to feeling like getting into the game in my area would be unattainable... and then back to being encouraged.

I’m not in the game yet, but I’ve been diving into this to prepare for my first multi-family deal.

I wanted to get back in the game again but don’t have much in reserves that most if not all HML require.

Then connect with some hard money lenders (you can find some here on BP as well as some who are typing this right now) and connect with them to understand their product type, what they like to lend on and requirements.Hard money broker is all numbers game of making relationships and helping those that are looking for financing, it starts out slow but if you get with a few good borrowers and lenders it can be pretty decent money to be made.As an example we paid six figures last year to HM brokers. 

On the surface, it’s a game-changer.