KC Lenders for Multi-Family with Low DownPayment

[Eka Linwood]

I was wondering if anyone has any recommendations for a Lender that is open to work with triplex / quad-plex?  My current lender is currently only open to duplex and having access to Triplex/Quadplex will allow me more options to choose from.  Now that I am thinking about it, a triplex may actually work out better for me since the vacancy risk will be diversified.

I was also under the impression that only FHA will work for downpayment less than 20%, but I have just heard from someone that some conventional loans may work with 5% down payment too. In this case, the conventional loan may actually work better for people with high credit score - is this correct?

I am looking for a property in the South KC region but have also heard that lenders are sometimes concerned about being out of state.  Would a lender based in KC-KS typically be concerned about financing a property in KC-MO area?