Hard to find lender- owner-occupied multi-family in SF bay area

[Ankush Bhargava]

Hello all, i am taking my first step towards house-hacking. Evaluating a property with SFH in the front and 3 unit apartment in the rear. All are currently leased. And I plan to occupy the SFH after purchase. This is in the bay area, and cost is $3.3M.

Am i reasonable to assume i can get the residential loan with 20% down?  I talked to Wells fargo, and they do max $2M load with 30% down, so doesn't work for me. Same for Chase on the downpayment.