House Hack Financing

[Nazir Hassan]

Hello everyone!  I have heard much about the house hacking trick where I buy a multi-family property for a low down payment and rent out the other units so it covers my mortgage.  There is a triplex that I am interested in.  I have been making calls over the last few weeks and the down payments range from 15%-25% down.  I was under the impression you get them for 3.5%-5% down.  Does anyone have a lender that they could recommend that has a lower down payment on a multi-family that is occupied by the owner?  I have tried 2 local mortgage brokers, quickenloans.com, grloans.com, Freddie Mac financing, and still no luck!  I am a newbie so any advice is much appreciated.