I’ll be using a Conventional loan 3.5/5% down. 

We've been mostly targeting conventional loans because we've been qualifying for low money down and want to avoid FHA if we can to increase our odds of our offers getting accepted...which hasn't been the case yet.

Note: I still have a few easy conventional loans left for future purchases and my DI ratio has plenty of buffer, so those aren't constraints.Thank you for any advice/guidance that is to come.

They only do when you get a conventional or investing loan.

Here's the jewel of it.My partner and I are looking to get financing on a Tri-plex in Central FL, we will be splitting the down payment.We'd really love to get into the property with 20% down max if not less, most conventional lenders ive spoken to have said they cant get anything under 25% on an investment property, But I'm determined to find one that can. whether it be DSCR/Rental loan, conventional or whatever products are available to fit with our goals and criteria while stilling giving us some scaling capability as were not looking to stop at this property, hopefully 2 more multifamily properties to acquire in the next year to 18 months!

These loans do no have mortgage insurance on them, but slightly higher rates than conventional loans. 

conventional investment loan, 20% down What was the outcome?

So a conventional lender - are they associated with a bank, CU, independent lender or are they a mortgage broker working with many lenders?

My biggest concern is with affording the down payment combined with any closing costs or fees that come along the way.I've been speaking to a few different loan officers, and the consensus seems to be that conventional loan programs for a duplex property type require at least 15% down. 

Quick question, it makes sense why I wouldn't be able to utilize the FHA in that scenario but are you sure it would have to be 25 if i went conventional route?