House hack: I only need 3% down, but should i put down more?

[Sergiu Micula]

Hey all. I have a fourplex in the works that im looking to house hack. My question is: If i technically only need to put 3% down on it with a conventional loan, should i put down more? Im going to sell my SFH to fund this, and i have quite a bit of equity in my home. With that being said, i would still only be able to put down 10% on the fourplex, at most. So do i put down 3% or 10% to bump up the cash flow a bit? I understand my cash-on-cash return will go down if my down payment goes up. (40% COC with 3% down, and 22% COC with 10% down). I have been doing everything i can otherwise to do my due diligence to make sure this is a good deal no matter how much i put down, but just curious what everyone's thoughts on that would be.