Wanting to house hack in SLC, Utah

[Lexi Bentson]

My husband and I are currently renting in the cottonwood heights area in SLC. We have been saving for a while to try and buy a house. We recently stumbled on FI and we want to house hack. Buying a multi family property or a house with potential to rent out the basement is our goal. I have only begun to call around to get pre qualified by lenders. Most of them say getting an FHA with a very small down payment for a multi family isn't possible. I was wondering if it is possible to get a 3.5% fha down payment for a multi family?
We are first time buyers, both with credit scores > 740, no dept other than mostly travel hacking credit card payments that we can easily pay off. We are both full time W2 employees.