Chicago multi family owner occupied loan options

[Zach Click]

Hi All!

As a first time home buyer, my wife and I are looking to househack our first property with either a duplex or triplex type building in the Chicagoland area.

Given the cost of property here and the FHA loan limits, it doesn't look FHA is an option. What are the other low down payment loan options for this type of investment in a high cost housing area? On several recent threads it was said that lower down payments (~5%) for conventional loans are tough to come around now.

Any input is super helpful for a potential first time owner occupied house hacker!

Thanks!