Introduction/mortgage question

[Samuel Propersi]

Hey BP! My name is Sam, my wife and I are currently looking for our first home/investment in St. Paul, MN. I've been browsing the boards for a few weeks absorbing as much as I can and I'm slowly working my way through the ultimate beginners guide... We've been pre-approved by our credit union for a conventional loan on a SFH at 97% LTV with reduced PMI after completing an online homebuying course. We would love to be in one half of a duplex with tenants paying most (if not all) of our mortgage, BUT the highest LTV our credit union would consider on a multi-family (2-4 units) is 85% -- so 15% down. With that being said... How do I shop around for the best mortgage without dinging my credit with multiple credit checks? Does anyone know if there are any mortgage products for owner occupied 2-4 unit building with 95% or higher LTV? Thanks, I'm excited and hope to contribute anything I can to the BP community! Sam