Multi Family Minimum down payment If Investor occupies one unit

Hello everyone =)

So I came across this line in another forum discussing if you need and LLC or not to start out. Basically saying that good liability insurance will do the trick as LLCs are easily pierced and just complicate the lending process. It was a forum of the best responses. I am new to the forums and one of the responses included this when talking about financing :

"Down payments are as low as 3.5% if the new investor plans to occupy at least one unit in the building and between 15%-25% if they do not."

Is this true? I am a new investor and I am looking to purchase my first property. It will be a 2 unit multi family and I will live in one. If anyone can help that would be greatly appreciated.

Thank you

Jimmy