Mortgage question on duplex purchase for owner-occupancy

[Logan Curry]

Hello BP community,

I am looking to purchase a Duplex with two tenants under a lease agreement (one until May '23, one until June '23). I fully intend to owner-occupy the property, and I don't have 20-25% to put down on a conventional as an investor. This is in a consistent high-rent area, property is turnkey, and would be cash flow positive day one (until I move in, that is). I know I could offer a buyout to one of the tenants, but I am wondering if there is a threshold of time in which lenders will forgo checking for occupancy. Any guidance would be appreciated! Thanks