First house hack question - Financing!

[Daniel Lee]

Hi BiggerPockets community - 

First time poster, long time listener and observer. I love everything that this site stands for, so I wanted to ask the community here a question regarding buying a duplex as a principal residence (to house hack). In talking with a lender, Fannie Mae requires 15% down (max LTV is 85%); however, are there ways around this requirement (say going with a local/community bank that would still allow me to put a lower amount down)? My wife and I have excellent credit and would comfortably qualify for 5% down on a single-family residence.

I'm speaking with 3 different local/community banks tomorrow in order to explore my options a bit but wanted to gather any opinions here as well.     

Any and all information/advice/feedback is greatly appreciated!