I have a FHA loan question!

[Mitchell Behm]

I plan on purchasing a multi family home with my father and plan on financing it through fha. He will be the co borrower and co occupant. I see that there is a weird rule that if it’s a multi family home, that the non occupant co borrower and borrower needs to put down a minimum 25% down. Does this apply for a co borrower, co occupant? He will be living with me and we want to put down 5%. It will not work if we have to put 25% down. We would rather save up and get a conventional or commercial loan.