0% vs 20% financing

[Marcell Salmond]

good afternoon everyone. was wondering if I could qualify to get 0% financing on getting a duplex to house hack and only kick out closing costs (interest rate would be 5%) would that be better or should I go with 20% down to have some equity and a slightly lower mortgage? I have roughly 35k in cash reserves at the moment. if you could be so kind to explain why on your answer I'd appreciate it. Thank you and have a great day.