I’m thinking an FHA or conventional, ideally owner-occupied.

His companies (which he is now trying to distance himself from) and he sold properties owned by other entities, received money for renovations/repairs which were never made, and sent investors $ from supposed rent payments for properties that were uninhabitable and vacant under the guise that they were occupied/performing.

Upside is that you are paying off debt a lot faster with more towards principal and less towards interest. 20% down is only for SF, even a duplex will require 25% down unless owner-occupied.

Duplex fully occupied with rents of $2,500.

Something to keep in mind is the lending options change when in LLC, so leverage owner occupied loans for Refi/HElOC etc go away once you move out.  

However, every company I find either doesn't insure non-owner occupied units or is extremely expensive.

@Jason Wray who's doing 5% down on owner-occupied 3-4 units?

Must be owner occupied.2.

nice, house hacking or are you occupying both units?

Then in about 1yr move out to a SFR and rent out the unit I occupied in the MFR.