I've seen a trend lately of more options in the 20-25% range.

I'm aware of seller financing as a possible option and will be on the lookout, but it certainly dramatically lowers my deal pool in an already incredibly competitive market.

when it comes to the investment side I have chosen to largely remain passive investing in REIT's or other publicly traded options.

To use it, just look under "Build Your Team" - Find a Property Manager - Then you can answer a couple of questions and be presented with options that fit your needs.

This suggests a strong ongoing demand for rental properties, which is critical for the real estate flipping market since it can indicate the ease of renting out or selling renovated properties.Interest in Affordability and Accessibility: Searches for "affordable housing Syracuse NY" and "low income apartments Syracuse NY" are consistent, which aligns with the interest in more affordable and accessible housing options.

I have around $165k in savings, with an option to withdraw $16k from my 401k after taxes and fees.

Loan Options: Utilizing an FHA loan is helpful since it requires little down.

Most do, but there are some options out there and they will look fairly similar to conventional. 

If conventional is not an option,any other types of loans that might work?

There are other options you can look into but these ideas should give you a starting point for places to look into for more information about a property.