Help with creative commercial financing!

[Erik Sanders]

Hey all!

I have an interesting 5-plex that came across my desk.

Any advice from experienced multi-family investors on lenders who have any loan structures allowing a lower down payment say 5% with an owner occupant?

Really would like to lock this one down, but looking to put minimal cash into this one.

Even considering the thought of figuring out how to classify this as a 4-plex with an ADU, to qualify it within FHA requirements!

It has 4 - 2/1 units and a tiny 1/1 unit.  Thoughts from anyone with experience on that front welcome!

Thanks all!

Erik