I was laughed out of several bankers' offices; literally. 

I have a friend who is a banker locally, he's seen business bank numbers for 40 years...he know what makes a strong business client and when it is a weak business with some good years.

The key would be making sure to talk to a local banker that can do CRE loans for owner occupied properties as not all banks do them.

These programs offer options for less money down and in some cases DPA - Down payment assistance.As a banker for over 18+ years I am very skeptical when I hear a new name in the business only because its become tougher to lend with all of the new laws and credit/insurance requirements and regulations.  

Make sure you talk to a Banker or Loan officer that is well versed in both SE (Self Employed) income and also Non/QM programs.One tip I will give you as a Banker is open up a "Business Checking account" and for the next 12 months pay "Everything" out of that account. 

Bankers are generally not aware of hard money loan options, and even if they are, they don't generally refer them when they believe they can approve a loan to you from their bank.

Do we have trusted advisors, brokers or community bankers within this platform who would like to work on this?

Meet with a local banker & schedule a time to talk with a mortgage broker, they'll give you at least a baseline of what kind of down payment options and rates are out there.After that, if you're still wanting to research more creative options, do some looking into seller financing (a very hot topic with good, and bad, advice out there), look into private lenders, and commercial financing options.If you're wanting to live in 1/4 of your quadplex, then conventional residential loans may in fact be your best option as you can purchase that with a fannie/freddy loan with very low down, and use up to 75% of the income from the property toward your own income. 

For us in the seller financed note investing world, we are often looking to find value in a deal that fell outside of a traditional banker's lending box. 

If this is your 5th deal you should have already developed a banking relationship with a commercial banker.