Down payment after house hacking

[Devin Dishner]

Hello! I’m new to BP and am learning about several strategies on coming up with downpayment.

My wife and I just bought our second property and are renting out the first one. So far we have received an FHA (3.5% down) and then a conventional at 5% down. My wife I can tell is going to get tired of moving every year, and wants to establish a permanent residence to begin having children.

What options are there after house hacking am owner occupied low down payment that you have used? I want to avoid paying 20% - 25% down on a non occupied rental property.