@Nicholas Olson- thanks  1)  fyi - there are conventional loan programs that allow you to put 5% down on a 4 unit if you plan to live in it - consider this as you can avoid the  fha upfront mtg ins premium and also  avoid the permanent FHA monthly mtg ins   2) avoid  renting the unit you state you will be residing in as this sounds like a problem waiting to occur 

@Johana Villamil thanks for the post! 

Thank you for all the insights!!! 

thank you for that, that is what I was thinking. my manager is not suggesting anything.

@Mike Wells Thanks for the post.

@Jacob Kocent Thank you so much on your comment, these areas actually look promising.

Thank you all for your wisdom, it seems consistent that the Heloc for a deposit only makes the most sense. 

Thanks!

Thank you !  

Thank you in advance for your guidance and support.