Minimum down payment for multi-fam, if it appraises for 25% more?

If I buy a multi-family (such as a 4plex) and plan to owner-occupy it, but it appraises for 25% more than the purchase price, what are the best options to proceed? Would I be able to get it with 0 down if I owner-occupy, if I go the conventional route? What about if I want it as an investment property without owner occupying, would I be able to get it with 0 down, or would I still need 25% cash down based on the purchase price?