Don't have a 20% down payment for multi-plex

[Chase Griffin]

I have recently found an awesome 4 unit multiplex that I am seriously interested in buying. It is in a great market, location and was just remolded. It is more than I was looking to spend and my banker recently said I would need 20% to put down on it. I don't have 20% to put down as I am recently out of college, however, I have had a steady salary income for a few years now and have no debt. I have heard you can do a 3% down payment on your first home, but my banker said that wouldn't here because this propert isn't a home and it technically is an investment property since its a 4 unit multiplex. Does anybody know of any workarounds to avoid having to put 20% down on a property?

Also, a friend/business partner is considering going in on the project with me as well, to help spread out a large down payment if needed. Thank you in advance for your feedback!