Suggestions on financing/loans

[Dax Nollenberger]

Hey Bigger Pockets, 

I am in a real pickle. I really want to get invested in real estate here in Cleveland and feel the best way to learn is to jump in an do it. I received approval for an FHA loan that would allow me to only put 3.5% down. Issue is, I want at least a 4 unit because the loan requires I live in one for a year. 4 Units would allow me to still cash flow while living there. At 3-4 units, my loan requires I put 25% down which I can't afford without raising capital. 1-2 units doesn't appeal because of all the expenses (high property tax, PMI, etc). Any suggestions on how to raise the capital to afford the down payment (and potential repairs) or different loan options that would allow me to put a low down payment on more than a 2 unit property?

Thanks for your time!