Buy up to 4 units using an FHA 3.5% down loan, live in one unit rent out the other units. You have to live in it for at least a year, then move out and rent all the units, keep the FHA fixed rate loan. You can only have one FHA loan at a time, so for your next move get a conventional loan at 5% down payment, live in that for a year and do it again.
If someone had taught me this trick when I was young I wouldn't have put 20% down on my first house. I could have bought 5 houses with that same cash. Doh!
Cheers
At least you eliminated the mortgage insurance premium when you were young. Great tip thanks!