10% down convention loan owner occupied. (4-plex) HELP!

[Dominic Frank]

Hello everyone! I'm in the proccess of trying to purchase my first Property in Chicago. It is a 4-plex, that I plan to house hack and live in one of the units. I was attemping to do the freddy Mac home possible loan for a low money down. Turns out you must only make 80% of AMI and it turns out I dont qualify. so I was approved for an FHA but unsure if it will pass inspections.

So here is my question. The property is $260k, 4 Units, gross income was 85k in 2019. I wanted to put down 10% which is about all I can afford. Does anyone know of any Small banks or any way I would be able to get a convention loan as low as 10% down? My Lender said for a 4-plex I need 25% down. Really don't want to lose this deal, any info will help.

Thanks, Dominic