Investment property 20% down payment minimum?

[Phillip Repalone]

Im looking to purchase my first rental property this year and I need advice as to which route I should take. I’m only interested in multi families in the Philly area but I don’t know if I should say I’m purchasing as an investment or go with an fha. From what I’m hearing, as an investment property they’ll ask for a 20% downpayment which I don’t believe tying up that much cash would be smart. But if I purchase with an fha loan, I’ll only be able to rent out one side for the year due to the owner occupied requirement of 1 year. Is there a smarter option that someone can suggest? Thank you.