Low down Owner Occ Acquisitions

[Bret Halsey]

Hey all, what loan products are available, besides FHA, to acquire a 2-4 unit building with less than 20% down as an owner occupant? I've talked to a lender about a 10% down conventional product, but ideally would only have to come out of pocket 5%. Also, is it possible to do an FHA cash out refinance on a property I already own and get out 96.5% LTV?