Hey Bigger Pockets! 

@Jeremiah ZsakovicsWelcome to Bigger Pockets.

However, the realtor told me that I can only buy multifamily if I have 20% down.Looking at the current mortgage rate (close to 5%), I am indeed a little bit cautious if I decided to buy a house (SFH or MFH).My game plan now is to save up my money for the next 12 months, so that I have enough principal to put 20% down for a property while learning real estate investing concepts since I am very new to all of this.May I ask what do you all think about this strategy?

Bigger Pockets Community,I got lots of great advice on my first post yesterday so now I feel I owe the community information in return.

Getting a good deal with contractors is a who know's who game.

Also I would suggest you trying to see if there are any Bigger Pockets members in your area who can tell you what they would do for that kind of situation.

Go to some Bigger Pockets meetups, lurk around on the forums, talk to friends or anyone else who's moved to Denver, and find a good agent who shares your love of the city and knows the real estate side inside and out.Good luck! 

@Joey Newton run it through the bigger pockets calculator!

I would like to leave the 10% in my pocket rather than hire someone but I can’t be confident that I’ll have the time to grow my business and take care of tenants simultaneously.

Couple days after I’d rented to them I listened to a Bigger Pockets that talked about the things you should watch out for when renting to tenants.