2nd Owner Occupied 4-Family Lending

[Raymond Lawton]

About a year ago I bought my first four family with an owner occupied loan.  I would like to buy another four family soon with a fixed rate 30 year loan, but was informed I could only buy up to a three with an owner occupied loan.  Does anyone have any advice for how I could obtain a 20% down or less fixed rate loan on my next 4-family?  Any help is greatly appreciated!

Thanks,

Raymond 

[Chris Mason]

I smell an overlay.