Hey @Joshua Morgan something you may consider to get access to the down payment funds is obtaining an ULOC unsecured line of credit.

Plus a brief explanation of how to obtain them.

Cash FlowMy goal is to obtain a large number of units and hold as cash flow until the property has appreciated to the point of where my exit strategy makes sense.

Wow thanks for all the help everyone...you guys are on top of your sh*t.

@Aaron T.

But if you want to protect your personal assets and not do an LLC, you can obtain umbrella insurance.The cons are higher financing cost compared to conventional.

M&T won't do a HELOC on an investment property, but other lenders will.

My mind was set on buying a 4plex and obtaining a FHA loan, which I did already get preapproval.

What did you do immediately after obtaining your first property?  

There is no wrong way to go about it, you can use OPM or "other people's money" or utilize a government downpayment resource or look into FHA loans to see if you qualify.For a first step get in contact with a mortgage broker to see where you and your financials stand as far as obtaining leverage on your money.