Wondering what are the different ways everyone got the money to put down on a property and the way to finance it?

These programs offer options for less money down and in some cases DPA - Down payment assistance.As a banker for over 18+ years I am very skeptical when I hear a new name in the business only because its become tougher to lend with all of the new laws and credit/insurance requirements and regulations.  

If appreciation and scalability are your long-term goals, consider house hacking or saving for a bigger market later.

Eliminate debt, establish a budget, and save.

The year of the purchase I saved money like a madman and saved roughly 22k.

Quote from @Chris Garnes: Sounds like you need the money for rehab? 

For example is a personal loan from a bank is 7.5 % that you could use as a down payment (after its seasoned), and your 401k loan is 4.5% but the 401k is expected to return 7.5% per year the money you save on one end you miss out on the other end basically and if your 401k returns are 20%, then you lose out significantly. 2.

It'll also help you save some on management fees and other expenses.

He likely needs to stay where he is, save up money for a downpayment on his own, and buy when HE is ready.He's not ready. 

Eliminate debt, establish a budget, and save.