Downpayment

[Scott Kelley]

Hi all, I'm trying to make a decision about a downpayment on a downpayment for a 4 plex and I'm hoping to get some input.

The property is $33000 and looks like it'll cashflow $1700/month.  Downpayment at 25% is $82500.  I can come up with the cash but would like to keep that money in other investments.

I currently also have two SFH's. One is my primary residence and one is a rental. This property, and my rental, are in another state from where I reside currently, but I plan to move there eventually.

Are there other legit options that I could put less than 25% down?  Per my bank, it has to be considered a rental property, even if I were to live in it.  Should I look at other lenders?

Thanks for the help!!

Scott