Financing first investment

[Kenneth Williams]

I'm curious as if they're any traditional loan programs that offer a lower down payment than the standard 20% without the property being owner occupied? 

I'm looking to purchase a (4)multiplex that's fully leased for the few years and generating $2400 monthly, but would prefer not to wipe out my savings account with the down payment. My wife and I bought our house a year and half ago so moving and uprooting the kids is not an option. She's active duty Air Force (13 years). I work for the Air Force in a civil service position (11years) . Both of our credit scores are in the 700's. I've been pre approved for 200K hard money, but would prefer to finance this Investment through a credit union or bank without putting 20% down. Any feedback would be appreciated.