Looking for lender for 4-pex

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Hello everybody
I'm looking for a lender who can do loan without morgage insurance on 4-plex with max 20% down or even less down payment.
Scenario:
Good credit score
Bad taxes
Purchase price -$425k
Rents are very low. Property generates now about $2200/month, but can bring about $1200/unit
Now 3 units is occupide and one is vacant.
Buyer wants to live in that empty unit himself
Have max 20% down
Do you have a lender for that scenario?

Thank you