Best loan with low down payment and monthly payments?

[Hae-Yuan Chang]

Hi there! 

I am getting a single family rental property that I will live in for 100k. Because I have no income yet. I am having my mom as a co-borrower and she will be putting the down payment/closing costs. I will be paying her back with interest over the course of three years. 

I have been looking at FHA loans for this type of situation. But I know that some investors like to get a multi family unit with an FHA.I was wondering if there are good alternatives to FHA that I could apply for?

Thank you all!