Make your profits and work around your rental portfolio next year.Then scale it up from there.I see myself making reaching 5 millions at the 4th year :D)))Good Luck!!!

I've also heard that some places will do portfolio mortgages.

I have played the game of making an investor think I had another offer.  

Otherwise, you'd have to go portfolio lender (maybe they do 20%) or hard money, which would be much higher. if you don't have even $20k saved, sounds like you are far off yet.

Targets for a new person versus a person with a portfolio are different.A brand new person might be happy to generate $300 per unit each money after the reserves (maintenance, capex, property mgmt).

Im new to all of this and constantly trying to learn the game of investing.

I have two SFR properties in Texas (one in Spring for past three years and one in Conroe for past three months) which I plan on keeping for the long term while continuing to build my portfolio.

20% 0% super risky for a bank to put all the skin in the game and you have none.

We also know some pretty great lenders that can help build your portfolio. 

They aren't interested in helping you build a real estate portfolio.