FHA or Investment Loan for Triplex?? First Timer

[Lake I.]

I am going to be a first time home buyer and first time investor. 

I am between picking an FHA loan or having to borrow outside money to put towards the 25% down payment for an investment mortgage (Triplex going for 79k, my friend owns it). A friend of mine who was a hard money lender suggested a credit union. Well, I just spoke with them and they have some appealing options.

Should I get my mortgage through the credit union for 85% home value and seller finance the remainder? FHA and live in the property and lose the income? Or are there some other solutions I haven't sought out?