@Cole Davis, we recently started a program for a broader scope of borrowers and sponsors.  

Hey BP,I was listening to a podcast the other day and it wasn't the BP podcast (I know how dare I) and they was talking about the EB-5 immigrant investor program.

And, I looked and we're not within the limits of the ADU pilot program unfortunately.Thanks for all the help!

@Hitanshu Shah-congrats...assuming the 4 plex will be a rental - your best bet will be 25% down and likely a 30 yr fixed program ....if you plan to sell or refinance  the loan within a few yrs - focus on the option  with the lowest loan fees 

We normally put them on a payment program when these types of things happen.

I know that there are coaching programs out there like Brad Sumrok and Michael Blank.

I've studied various strategies, but I found that the guru made it seem like I wouldn't succeed without paying a significant sum for his program, which didn't resonate with me.

Or maybe, that's just a function of suburbs in general, where they are designed to be comfortable (so defacto, no small multifamily)? 

Take that $20k and spend it on a coaching program.

@Stanley Smeltzer if you going to start out as a primary residence I would also see if you qualify for Down Payment Assistance or Fannie's $5000 grant program.