First Owner Occupied Property Loan - Duplex

[Spencer Krautkramer]

What are people's suggestions for a type of loan to get started? I am looking to purchase a duplex and owner occupy it so FHA is definitely an option and allows for a low-down option. However, in Milwaukee the market is currently very competitive option, and I've been told for any multifamily property I will need at least 15% down if I don't use an FHA loan. I'm wondering if anyone else has other loan options at the 5% down mark for duplexes that are conventional rather than FHA to look for attractive to a seller. Thanks in advance.