I know where there is a good deal on a 4 plex 3 of the Units have Tenants living in them, but my question is there any way that i can get financing for it without a Hard Money lender or having to live in one of the units for about 10% to 15% down cause everywhere i checked i been getting 25% down

I do occasionally hear about non-owner occupied loans with ~15% down, but they are unicorns, @Quinton Bogle . People know someone who met someone who got one in some state...at some point.

Best bet is probably to bring in an equity partner.

Check your local credit unions. They can offer unique financing options, especially if they hold the loan in-house. Another option: you put down 15%, ask the seller to do owner financing for 10%, use conventional loan for remaining 75%. Always worth asking the question to the seller!

I would suggest you call around to all the local banks and CU's.  Often times the local banks will have promotions/specials for limited periods of time - you could get lucky and find one that has a lower down payment for an under 4 unit non owner occupied.  

@Jaysen Medhurst Thanks i appreciate that

@Daniel Weber I appreciate the advice from everyone

Here is your unicorn. 15% down on a non-owner occupied 4 unit. Actually its quite common in the portfolio lending arena.