As a first time home-buyer you can get FHA loans. You can use an FHA loan to buy a property so long as it is 4 units or less. FHA loans let you get into your first building with no money down (a very good thing for your first building!!!). I would suggest you consider FHA even if you have the money for a conventional loan. Reason? Becuase you will need to save cash for mortgage payments, repairs, etc. that come up while you get your feet on the ground.
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