House hack loans and tenants

[Gere W.]

2 options:

1. Lower cost multifamily so I can afford a 20% down payment and not have to live there

2. Higher cost multifamily, and do fha or personal residence loan so down payment is between 3-10%. 

Question: if it's already completely rented out, and I'd need to make it a personal residence to house hack to afford it and put less money down, what are my options then? Can't just kick a tenant out, become their roommate, or put a tent up in the backyard I'm guessing. Or do I just have to pick a different property?

I'm assuming people have run into this before: wanting/needing to house hack but it's already fully rented. Workaround solution?