Obviously, I will be personally guaranteeing these loans, but my long term plan includes building up to some larger multi-family properties with commercial financing.

There are tons of active investors and real estate professionals to network with.

Obviously this is just for two units in one home, and I'm sure most Condo Association insurance is designed for larger more corporate entities.

Looking forward to networking with you more.

I joined a good local Church, as I am a Christian and started networking.

Others want to leverage the bank in order to buy properties, stay patient, and perform 1031 exchanges when the time is right to try to buy multi-family or commercial properties.if the math works out, another option is to leverage your equity for a cash out refi, use that to buy a duplex or 4-plex. that even is not taxablebut i would say the decision itself has to fit into the larger, long-term goal.

Sometimes the requirement for down payment can be less on larger commercial deals.You may not personally refinance or pay off the IRA.In the future, once the IRA has built equity via appreciation of the property and paydown of the loan balance, there may be the opportunity for the IRA to refinance and pull some of that equity out to create more liquidity for the IRA.

If you don't have any money the only thing you can do is hit the streets and door knock, drive for dollars and network. 

Here are some tips: Invest in larger properties - as large as you can or partner with others to get larger.

Or would I be better off seeking a loan through my family investor and putting down a larger deposit?