Real Estate Broker · Salt Lake City & Oklahoma City · Member since 2018 · 3k+ posts · 2k+ votes
7y
Howdy @Paul I.! That depends on whether you'll be living in it or not. If you don't plan to live in the 2-4 unit property, then you'll be looking at a 20-25% down mortgage loan or a 15% down commercial loan usually.
If you are going to be living in it then a whole world of low down payment/high LTV loans exist. These include, but are not limited to FHA 3.5%, Conventional 3-5% down, and "Dreammaker loans" (like what Chase does in most markets right now) that can offer extremely low down payment loans AND some stimulus money to help towards that.