It's all about making sure the properties meet the requirements of section 8 and getting solid deals for 3+ bedrooms.

Nice to meet you.   

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. 

If you pay more, you won't meet your metrics and will probably have negative cashflow and/or equity.You may have to make 10, 20 or even 100 offers to get one accepted at the price that meets your numbers.This is what all investors did BEFORE the Great Real Estate Crash of 2008-2010.

Point is change your strategy to meet your objectives.  

Wow, that’s a tough spot, and it really sounds like you tried your best to meet them halfway.

My best advice is to meet your lenders face-to-face at real estate clubs, conferences, or other professional events.

And yes they pay 60% of your Mortgage.Open to share ideas any time we have a free network to meet like-minded investors in Miami.Luis Maqueira 

There will always be posters who come out of the woodwork who claim to be able to beat terms or meet borrowing expectations.

So, as an investor you have three paths to follow to try to “capture” the rare property that meets the above characteristics. 1.