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Doug has the right idea. Interest rates and down payment requirements are different on an owner occupied property than on an investment property. If your intention is to live in the property, you should certainly get an owner-occupied mortgage. Talk to your landlord, you may be able to come to an arrangement. If you're looking for a low down payment loan, we are one of the only lenders who offer an 80/20 purchase program. That means no down payment. And we are a local Seattle lender. Contact me through my profile if you'd like to discuss.Hope this helps.
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