You can lower that with a larger portfolio or multi family properties.  

@Brian Murray a lender would be best equipped to handle this question, but for most secondary loans (Fannie/Freddie) that I've seen you'll need to go FHA to take advantage of lower downpayments with an owner occupant situation. 5% down conventional is typically single family residences.

Conventional requires around 680ish fico and a lower DTI.

I was wondering if the process takes a bit more time if your down payment is lower.

I refinanced my FHA first mortgage in February to get a lower rate, but that did not allow cash out. 

Income tax benefits: You can take a dividend income which is taxed at a much lower income tax rate. 2. 

I'd make a stink of the repairs and ask for a lower purchase price.

The unique situation of wanting to stay in the property will deter most buyers.Possibly negotiate a lower rent for the 1st year for a reduced sales price. 

In a seller financed deal is 5% or lower down payment common?

Tried to explain to one that some -not all-agents don't show listing with lower buyers commission and he wanted to argue with me about it was our fiduciary duty to show all.