NEED strategy advice for mortgage product

[Antonio Porta]

HI all, 

We are in search of a lender (small bank, Credit Union or other) that will allow us to put less than 20% down for 3-4 unit owner occupied property.  We were looking into Home possible product but it is no longer an option for us as they lowered their income requirement July 29th.  We are located in NJ and are looking in Bergen Essex Passaic Hudson Sussex counties. 

We were told its best to save FHA loan for our second investment property OO because if we went FHA 1st we would have to put 20% down conventional for our 2nd OO property.