Let them shop their markets for the best combination of coverage and price for you.  

If you like one, then they will agree and go shopping for something bigger. 

The lender I typically work with and send a lot of my clients to is able to do multiple 10% down homes in the same market, given of course that you can keep qualifying for them without going over DTI level.Not all lenders are going to offer this for your area though remember, always best to shop around and find the best deals.

Unless the downpayment amount is a factor, or unless you are adamant on staying in one of the units, you may want to shop around with some hard/private money lenders as well.

Shop around for a broker that will let you if you’re hitting a wall with your current - brokerages have different thresholds for “risk”, different minimum loan amounts, strategies they offer/specialize in.

When discussing the possibility of a DSCR loan with clients who have been shopping around, I often find that when I bring up the pre-payment penalty it is the first time they have heard about it. 

@Beau Alesi you really need to shop to compare this. 

There are many paths to success in real estate.That all being said, I should disclose I have been window shopping larger multifamily.

I would suggest shopping around for a bank or credit union that can do better.

Shop around and don’t accept the first answer you get as gospel.