House Hacking a 4 Plex.

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If you have house hacked or helped/know someone who has house hacked a small multifamily property (3-4 units), do you think its better to get an FHA loan or a regular conventional loan? I have different lenders tell me different things. One said that I can use the income from other units and that will count towards my income for the loan approval and another said that I cannot. One also said that with 4 plex I HAVE to put down 25% and can only do a conventional loan. I would prefer not to put down 25% and use that money to purchase another property. I am curious as to what your thoughts are on the situation?