Finanicing an owner occupied Fourplex

[Brannon Pierce]

Looking for a bit of information.  I am looking to finance a fourplex property in the Sacramento, CA area.  This will be my first home as I plan to live in it.  There will be 4 of us total on the loan.  Here in Sacramento a lender we qualified for will only offer a Conventional loan with 20% down.  However we would like to put down a lower amount somewhere around 10%.  Any suggestions on which type of loan we should seek out with a different lender, or creative ways to finance?

The units are all under one roof, so it is one building in decent areas and have HOA fees.