. $800 per 2 bed /1 bath unit. quick mortgage calculator puts zero% down monthly payment at $3500, plus then offset with $2400 puts you on the hook for $1100. 

I have $20k budgeted for a down payment for investing in real estate in 2024.

There is no pre-pay penalty; however, a monthly payment would be due.  

Not sure if you know or not, but the 203k has an option where you can wrap up to the first 6 months payments into the principal of the loan.

What methods do you recommend?

Or, should i take $40k to $80k out for a down payment on a rental property?

One of these "friends" never left the condo and lived there for 5 months payment free while the neighbor was paying all dues on time to avoid lawsuit against him from the association and management.

I was curious because I won't be able to have down payments and planned on using what I can affect, the purchase price, to spend most of my time into finding houses using wholesaling strategies to try to get the total loan amount at or below 70% of the ARV so that I could maybe avoid the down payment.

My goal is to use the least amount of down payment as needed.

What would you say was the best method for finding deals for you starting out?