As a rule of thumb (and what Fannie Mae uses as a guideline!)

The first is the lowering of down payments by Fannie Mae(and Freddie Mac). 

Cash/Finance (Looking for banks who offer Fannie Mae refi exemption)4.

If you do this you will see some pretty good stuff regarding Fannie Mae and HUD Foreclosure Homes and it is VERY conceivable to think they are affiliated with this.

From CNN about multifamily: "The US Federal Housing Finance Agency stepped up today to protect renters in multi-family properties.Fannie Mae and Freddie Mac will grant owners of multi-family properties who are "negatively affected by the coronavirus national emergency" forbearance of mortgage payments -- as long as they don't evict renters who are unable to pay their rent because of the coronavirus impact.

FHA is 3.5% for multifamily, but on Nov 18th Fannie Mae is changing their guidelines to allow 95% LTV on multifamily.FHA 3.5%Fannie Mae 5%And you still have to some how get the bank to magically approve you for $950,000 loan amount? 

Fannie Mae LLPA matrix

Peter Cyran The goal is generally to be in compliance with Fannie Mae guidelines- one of them is to set aside 10% of the budget each year for reserves and put in a separate fund-which is why you should see a reserve fund broken out separate from operating funds.

Conventional mortgages are very cookie cutter with rules coming directly from fannie mae/freddie mac. 

@David TiefenthalerFannie Mae just rolled out a program (to start on November 18th) for 5% down conventional on owner occupant 2,3, and 4 units.