When you purchase I would mention your intentions to the credit union so you can get a jumpstart on what to expect later on.

FHA often has a more generous tolerance for credit scores and DTI than a HELOC might.

Happy to do an ARM to bring rate downHhi: 550kCredit score: excellentDTI: below 30%Please reach out with rate estimates.

Give some local credit unions a call.

I used to volunteer for SCORE.

Try Fortera Credit Union, Cumberland Bank, or Altra Federal Credit Union.

If it’s a commercial loan and its considered "Mixed use" I have seen 20% down in some cases.In most cases a true apartment building 5+ is going to require 20% or more regardless and it comes down to Higher credit scores, landlord experience, Assets/reserves and term.

I have a 12 Plex built in 1966 in mountains of Colorado -  wildfire score is D (I think) -  despite hydrant 100 yards or less away and fire station  2 blocks away. 

You might be better off working with a bank or credit union that does not have EPO. 

Most people never get this far.I want to add: I am familiar with some low down payment programs through certain credit unions that offer as little as 5% down on investment properties.