Fourplex - Primary home financing options

[Senia E Cuevas]

Hello Everyone, 

I just purchased my first duplex and closed last week. I am now trying to get into a fourplex which my mother will occupy - she will be in the title and I will be a co-borrower on the mortgage. I spoke with a lender that stated that we'd need 15% down to finance the property as a primary residence. I know there are more restrictions for lenders in this market, but 15% down sounds very high based on my research. What requirements/loan options have you used for a fourplex with owner occupied loan?