Yes, you can put 5% down or less and buy a multi-family house using specific loan programs like FHA loans (3.5% down), conventional loans (5% down), or VA loans (0% down for eligible veterans).
VA appraisal typically stay with the borrower and not the house (unlike FHA). The appraisal is typically valid for 180 days or 6 months for the borrower on the house.
