Purchasing Owner Occupied 4plex/ Seattle- best financing options

[Natalie Wells]

We are trying to purchase an owner occupied fourplex, priced at just over a million. One of the local lenders we have spoken with told us that they still require 20 percent down even if the fourplex will be our primary residence. Has anyone else run into this issue? Are there any creative ways to pay a lower down payment? Any recommendations on lenders or loan programs? We are in Seattle, WA. Thanks for the help!