Putting down < 20% w/o Owner-Occupant? Can it be done?

To all,

As a new real estate investor, I have a lot of questions. One of those questions is: It possible to put down less than 20% on properties, without being an owner-occupant? I am in Illinois, looking to invest in the Western Suburbs, specifically Aurora, Naperville, Oswego, Batavia, etc. My focus is single family homes, duplexes, triplexes, and quads. I am looking for creative financing options for low (or no) money down.

Are there specific Illinois regulations that differ from other states?

Thank you all for your feedback and help with this question.

Jelani Tate