Need financing advice on fully rented duplex as primary residence

[Eric Swint]

Hello BP,

I recently had an offer accepted on a duplex. Both units are leased until March 31st, 2018. I intend to make this my primary residence come April 2018. My problem is I don't have 15-20% for the down payment, and I'm not sure I will be able to get the 5% down conventional loan because I won't be moving into the property within 60 days. What are my best options here? My lender had suggested I receive a gift for the down payment. This is possible for me, but it would have to be multiple gifts by separate family members to stay under the tax amount. I would prefer to stay away from FHA loans/fees if possible, but am open to scenarios where I can still make the numbers work with all fees/insurance.

Thanks for the help,

-Eric