Minimal reserves on a 4 unit?

[Mayra Loreta]

Hi. Is it possible to get a mortgage on a 4 unit home (owner occupied) with less than 5% down and minimal reserves (3 months or less)?

I was told an FHA loan requires 6 months reserves on a 4 unit owner occupied property, but I dont have 6 months reserves.

I have $9,500 available.

Assuming a 130k purchase price a 5% down payment would be $6,500, leaving 3k available as reserves which I think is slightly less than 3 months reserves.

Many of the 4-unit homes Im interested in specify "as is /no FHA." So I figure I need a conventional loan. Is it possible to get a conventional loan based on the funds I have available ?