Now or Later? 2 vs. 4

[Stephen Torti]

Hi All-  So I got approval for $200k with 5% down on a duplex or 10% down on a 3-4 unit, I have the 5% down but the 10% will take a decent amount of time to save up.   Also needs to be owner-occupied but the lender didn't really make much of a big deal about it when I asked him "what if I move out in a month?"  So I'm planning on living there for as short as possible depending on the cash-flow of the place.  I'm living right now in a family owned house that I rent out 2 bedrooms and live rent free so it's a bit of a 'financial haven' for me to use.  

My question to the community is what do you think is best?  Buy in the next couple of months (2 Unit) or hold out for a more units.  I know in the back of my head what I want and THINK I should do but curious as to your thoughts?

Thanks,

Steve