3% or 25% for Down Payment

[Felix Piper]

My wife and I live in 4-plex that we are hoping to buy. Each unit has a one car garage. My hope is to turn the garages into an ADU or another unit. We have enough to put 25% down and make the investment positive cash flow if we move out, but won't have enough left over to build out the garages. I would rather put less down (since we would be able to buy as a primary residence), say 3 or 5%, then build out the garages. Wondering if anyone had any thoughts or suggestions on this.