Duplex Financing Highest LTV?

[Charles Mangum]

I have a duplex I am going to buy from a friend of mine. He is a handyman so it is in really good shape and cash flow looks real good. So far I've gotten two loan quotes, one conventional 70% LTV, 30 year amortization, with 5% interest and another commercial lender who will do 80% LTV, 20 year amortization, 5% interest, with ARM in 3 to 5 yrs. I'd like to get highest LTV possible. Do you think there are better options out there for me if I keep looking?

Thanks,