Hello, I'm a mortgage professional.
There are a lot of mortgage programs avialable.
In the area you are looking to buy in you can expect to put down a minimum of 3%. You are even allowed to roll some closing costs in using a "seller concession". I can explain the sellers concession a bit more if you need me to.
The programs I'm describing allow you to buy a multifamily home and allow cosignors if needed.
I can help you get a pre approval if you would like to see what you can qualify for.
I'm avialable almost 24/7.
You are welcome to contact me with any questions or if you would like help with this.