@Brian Burke Your more of an honest man, than a salesman.It’s great that (IMO) the most trusted Syndicator/Operator on here is saying to diversify across other assets.Brian you are in it for the long game and that is why people trust you.

If you aren't paying cash and are doing owner occupancy you may be able to use FHA instead of Conventional with a higher down payment. 

Thanks,GeneOne can move old IRAs into a self-directed IRA (Equity Trust, Inspira/Quest, Etc.) and then use the funds to invest in or buy and hold real estate (also other alternative investments). 

You can sometimes purchase a property with zero down or a minimal down payment but a seller financing deal will not hold a note for 30 years as a bank would.

I have enough saved for FHA loan down payment on a duplex up to 500k. 

We are in California, so the Zion affiliate bank company here turned out to be California Bank and Trust. 

I have been digesting all things Real Estate so right now I am working to lower my DTI while saving at least 6-7% for the Owner Occupant down payment (to include closing cost, etc.).

Financing: I'm confident I can put $10,000 down as a down payment within the next year.

My hope is I can gain their trust as a property manager and eventually be the one they turn to to sell later on or refer for business in the future.

They are short term loans, usually 6-12 months, high rate, interest only payments.