Thank you for the question, this is really best answered by a lender as different lenders have different requirements. It would make the down payment lower if it were owner occupied.
The lowest down we have heard in an investment property is 25% on a conventional loan. FHA is pushing an investor loan program, however, you would stil;l be better off to call some direct lenders like B of A, Wells Fargo, etc.
Let us know if you have any other questions.
Mark and Kari Shea
San Diego Real Estate Experts
Foreclosure, Short Sale & Investment Specialists,
Development Opportunities & Traditional Real Estate
The min down payment on a 4 unit property can be as low as a 3.5% using a FHA Mortgage as primary residence. If you currently own a home and is bigger in size then the biggest unit of the four, you would have to purchase the units as Investor Owned and would require a 20% as down payment unless the property is Homepath approved then you can purchase the units with 10% down. Hope this helps