Not necessarily, but you'll need some. For a typical rental property with an FHA loan, you might need as little as 3.5% down plus closing costs - so maybe $15,000-$20,000 for a $250,000 property. Conventional loans typically require 20-25% down for investment properties. There are creative financing options, but they come with their own challenges and risks. The course covers different financing strategies for various budget levels.