Besides FHA, what are other mortgage loans to consider?

[Eric Bradeis]

So here is my situation. I'm buying my first house, I have great credit, I have 5% down, and I'll be owner occupying a tri-plex in new Jersey. So I was under the impression that FHA was my only option. But does anyone know of other mortgage loan options that are available for my situation? A VA loan is not an option bcuz I've never served. I heard of USDA loans and a home ready loan but I'm unsure if those types of loans are available for multi family. Does anyone know or have any other options that might be available? Thx.