Stuck for my next property

[John Smith]

I am having a hard time figuring out how I would be able to finance my next property. I am in Massachusetts. Basically, I have a single family home now that I live in and a 3 family rental property. I want to rent out my current single family home and move into a 3rd property (3-4 family where I live in one unit and rent out the others). I am wondering what the lowest down payment option would be for my scenario. I wouldn't qualify for the FHA because all 3 properties will be within 100 miles and I would need that future rental income from my departing residence to count for DTI to offset the mortgage. I also wouldn't qualify for a 5% conventional (which would be the most ideal) because the 3rd property would be a multi family property. I feel like I am stuck here unless there are some type of creative financing options I'm not aware of. Otherwise, I feel like there's no way around the 20%. I appreciate any insight to loan options you have!

[Ash Hegde]

@Scott Trench only FHA keeps the low down payment option when buying multifamily. 15% for a duplex and 25% for 3-4 units is accurate for conventional.

This is tough without the FHA option, at some point you're going to need higher capital amounts to buy rentals. Any interest in renting out rooms in the new home and using a 5% conventional?