10% down on 5+ unit commercial multifamily when you occupy one unit as office.
SBA 504 and 7(a) can finance owner-occupied commercial real estate at 90% LTV — including 5+ unit multifamily when the buyer runs a legitimate small business from a portion of the property (office, salon, workshop). Enables commercial-scale house-hacking at 10% down instead of the standard 25–35% investor DP on 5+ unit multifamily.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Eligible veterans buy with $0 down, no PMI, and assumable rates.
0% down in USDA-eligible areas — includes many suburban zip codes.
Neighborhood Assistance Corp of America — below-market rate, zero down.
Fannie / Freddie low-income programs — 3% down + reduced PMI.
1.25–2.25% down for enrolled tribal members — nationwide.
State / county / employer DPA — $5K–$50K forgivable or 0% deferred 2nd.
$100 total down on FHA-repossessed homes for owner-occupants.
3.5% down + rehab budget rolled into one loan — buy distressed properties.