Excellent credit but low down payment. What is the best option?

Need more info, but in general.. the LTV requirements as well as maximum loan amount for multi housing is based on the number of units, and they vary based on the loan product you are applying for (conventional vs. FHA).. You did not say whether it's a duplex, 3-4 unit, or greater.. If the property is more than 4 units, then you are in the commercial financing zone.. and 10% wont work.. you will need at the very least 25%,... for FHA, the maximum loan amount can be anywhere from $424K to $636K, For conventional it can be from $543K to $815K. FHA only requires 3.5% down, but conventional will require anywhere from 15% to 25% down.. Again, more info needed, but there are options out there.. My suggestion is to get off the internet and get on the phone.. try reaching out to a local mortgage banker/broker and let them look at your complete loan profile.. once they see the full picture, they can advise you.. and no more guessing.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

You will at lease need 25% possibly 30% down.