I plan to buy a house in the next two years and have been stuck on what would be the smartest move. Get an FHA loan and save about 25,000 on the downpayment and invest it?, or put the full 20% down to cut out pmi? I currently have 40k total saved 10 k of it invested in VTSAX. Me going the FHA route would mean i could invest another 15k into my account, and continue on investing 1600 a month for the next two years, until I buy a duplex to house hack. What would you do if you were me?