Wrapping up first house hack, Next house hack Finance troubles.

[Collin Wallace Chesnut]

Hello BP community, Looking for some traction on a problem I'm running into.  

Last year June 18th 2021, I purchased a 4 plex with a FHA Loan to house hack. As we are approaching this upcoming year I was wanting to do the same thing and though it was possible to buy another 3-4 unit property as a primary residence and get financing as a convential loan with the ability to put down as low to 5%.

Asking around to lenders thats does not appear to be the case and taking to 3 different lenders they have all wanted 25% down on a 3-4 unit property. If I go down to a duplex I only need 15% down. 

Wanted to reachout tho to see if any folks haver ever been in this position before and what other options there where. Yes, I can buy a SFH home for 5% down and get a convential loan and after talking to 3 lenders that migth be my best option next, but wanted to see what other Ideas where out there or how I can buy another Multifamily with low money down. Also with the climb in interest rates I'm not looking to refinance out of my FHA loan at this time.

Let me know your thoughts! Thanks!