Cash requirement for small multi family

[Brad S.]

Wondering what are downpayment and reserve requirements for small mutifamily these days. I spoke to a credit union and they said 25% down and approx 10% in reserve as a liquid asset (saving or CD). Ideally (assuming) I have 250K that I would like to borrow 2 million and show my 401/IRA funds for reserve, is this scenario possible or is the bank right? Thanks for any insight and any financial institutions you might know of that offer more flexible terms. The only reason I want to leverage more is so I can afford to buy in B neighborhood instead of a C or D, would you agree that make sense?