I am a college student who really loves real estate and wants to get involved and start buying. I've read books and am saving as much money as i can. I live near NYC in New Jersey and the prices of buildings around here are very high. My question is i have heard a lot about no money down on appartments and foreclosures. Is it possible? Some people tell me you cant get a mortgage unless you put at least 20% down.

thanks for your help guys