FHA Vs Conventional Loan Multi-family Down payment Question

[Matthew Jackson]

Hey Biggerpockets community,

The question is pertaining to a multifamily loan down payment on an FHA vs a Conventional. So I'm looking to buy a duplex with a C/O in order to avoid problems in the future with renting to 2 tenants when I eventually move out of one of the units later on down the road. Under a conventional loan, this property would require a 10% (as opposed to 3-5%) down payment due to the c/o on the duplex. Is this the same with banks under the FHA loan? Or can I still put down 3.5% under FHA even though the property has a c/o on it? I hope this makes, thanks for the help.

Matt (first time multifamily buyer)