COVID 19-Buying a duplex in Southern California

[Marco Cruzatt]

I've been saving up to make my first deal. I would like to purchase a duplex (Two-Unit) in Los Angeles-CA. However, I'm aware that due to COVID-19 some banks have changed their regulations. For example, Chase has changed their minimum requirements to a min. down payment of 20% and at least a 700 FICO score.

What is my best option as far as a loan, I have great credit with decent income, therefore, I would want to put as little as possible down. 
In addition, when would be the best time to buy? Now, or should I wait a couple of months so price go down (if they go down).

Thank you