10%, 15%, or 20% down on Triplex

[Malik K.]

Hello,

I am in the process of closing on my first property, a triplex I plan on owner occupying for 1 year. I can afford to put 20% down and still have a fair amount of cash reserves. My question is whether it makes more sense to put 10% down so that I can have more liquid cash to use for stocks/bonds/HYSA or if it would be better to put 20% down to get more cash flow/lower mortgage. By putting 10% down I probably will be less than breaking even every month ((like an extra $800-900 per month at very low/conservative rent prices)  with the building fully tenanted (as is condition not counting value add with renovations). 

Appreciate any and all advice. Thanks!