Scaredy,,
If your loan is going to be above $417K and you dont want to do 10% down, FHA may be your only option…
A few months ago FNMA 5% down was available and was better than FHA for most. It now takes a decent credit score and 10% down to avoid FHA.
If loan amount is above $417K you need 15% down to avoid FHA. FHA is the new subprime, artificially keeping prices propped up.

There are so many other factors to consider. Feel free to contact me directly if you want.
So many variables, it’s impossible to assume anything.
30 YR rates currently as low as 4.375%, 15 YR 4.00%, 7YR ARMS 3.625% %YR ARMS 3.375% even on rental properties!! About the lowest rates ever! , HLS