Does anyone know of any lenders that work with 5 or 6, especially if it's owner occupied?

The FHA 203b and the FHA 203k allow you to buy mixed-use residential as well as 1-4 unit residential properties as long as the primary borrower intends to occupy the property as their primary residence for a minimum of 1 year. 

Right now the best way to analyze these deals is looking from an owner-occupied/STR strategy.

I have had 1-8 applicants out of 55 occupied units for each round of funding out of 55 occupied units.

There have been some violations from the county Fire Chief that need to be resolved by the seller and at this time all units are occupied.

@Brian Plajer so this is the home you occupy?

My lender recently quoted me 15% down and I saw rhat was the minimum DP on the Fannie Mae website (I believe).15% down is fannie’s minimum down payment for an Owner Occupied duplex.Non owner occupied are minimum 20-25% down everywhere. 

Rookie investor seeking advice: Owner occupied property, conventional loan, qualified for 3% DP, sounds like a great deal for starter home buyers with less cash, and allow for greater appreciation for house-hacking owners, but what are the catch 22?

They are used to helping buyers of owner-occupied homes make an emotional decision.

Multi-family owner-occupied home—I live in the bottom apartment.