5% downpayment for a 6+ unit building?

[Andrea Galvez]

Hello Everyone, I'm interested in a building with 6 units in Indiana, but I dont have enough money for a 20% down on a conventional. Does the 5% down applies on buildings with more than 4 units as well? 

And a second question, How much interest should I pay to the people lending me some money? I was going to give them a 10% APY for keeping the money with me for 3 years, is that good? too low? too high?