Financing a 6 unit apartment complex

[Matthew Lynch]

Hello all, so this is my first post here. My realtor came across a 6 unit complex coming on market soon. The number check out and all looks good. Only issue is financing. They are asking 475k and I don't have anyone who is willing to go in on 20% with me. Now my realtor suggested if I could find someone to move into the property it would only be 3% down. If I could have my wife "move into it" would that work? Then transfer the property into my LLC? "I'm still in the mix of getting it set up" that leads me to my next question reading the how to invest in real estate. It says that you can't get a residential loan for units over 4. If my wife were to "move in" would that be an exception. What are the risks in doing that? Thanks in advance!