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?

This can be a good strategy in college towns.

Such a powerful strategy. 

Hello,Say I did the BRRRR strategy on my first home and repeat it into my second home, third home, etc, however does there come a point when banks wont refinance a home for me anymore, say after my 4th home or do the banks dont care as long as the home was paid off when I first bought with private lenders money and only refinance to take out money to repeat and pay off the lender loan?

how do I determine which market to begin my real estate investing strategy - seeking small multi family units with positive cash flow of $100/unit of more

Depends on your strategy. 

What strategy/tactic changes will be needed to thrive in the future?

Work a buy and hold strategy in multifamily property in Texas and Indiana.

What are other people’s strategies??

I've chosen a strategy and have been practicing deal analysis for a few months.