Try to find some private $ through your contacts. 

I have been able to save about $20k and am ready to purchase something that will supplement our monthly income without taking too much time away from our current jobs.

talk to some folks in your area, share the numbers, get a good lawyer to draw up a partnership agreement...or try to find a private or two lender and propose the deal to them...

Here are a few I have attended, but there are many more:https://www.meetup.com/SAREIA/https://www.meetup.com/Private-Lenders-Network/https://www.meetup.com/SanAntonioRealEstate/https://www.meetup.com/Craft-Brewed-Real-Estate-of...https://www.meetup.com/San-Antonio-Real-Estate-Inv...I prefer the smaller group settings since it is more conducive to making better connections but I plan to attend the larger ones as well.

Account Closed - thanks John,  after doing some research it looks like non-recourse loans are only available from private lenders.  

I have been planning and saving for what seems like a lifetime to buy my first investment and now that it is happening I'm so nervous!!!! 

I tell him that that was factored in , if I took it to the landfill they charge $ 75 a ton , there was 5 tons so he saved $ 375 dump fees .

So, between the cash flow and the tax savings, 9.44% doesn't seem like much.

Only when needing the lower rate to qualify for the loan. 4.65% is very low, consider we did investing for decades with 10% money.Homes usually are held for 7 to 10 years, so your savings on interest is limited and it's tax deductible to boot. 1-your tax rate times the interest rate is your real after tax cost. 

I'm looking to do the BRRR strategy but I need some private funding to get the ball rolling.