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. 

I'm a property manager and broker in Huntsville.

Most states require a RE license and or Broker’s License.

And that is a licensed MLO  Lawyer or in some instances a RE broker..

I also broker ALR's in Colorado, and create deals in which I connect operators with landlords looking to lease option the properties.PM me so we can connect!

As we wrap up the year and look ahead to 2025, the real estate market continues to present unique challenges and opportunities for investors, brokers, and lenders alike.

As a real estate broker I would make the same suggestion but as a buyer I feel so lost..

I'm a land broker in Orange County, one hour from where the fires hit. 

As both an investor and a mortgage broker who has personally used both options, I can say there are benefits to each.It ultimately comes down to comparing the two side by side based on your specific situation.

Regards,Drew Curtin - Associate Broker