CMHC, Sagen and Canada Guaranty each insure mortgages under 20 percent down, and the minimum down payment rule, 5 percent on the first $500,000 and 10 percent above that, applies the same way to a multi-family purchase as to a single-family home. What changes is the underwriting, since a lender will ask for a rental worksheet and often an appraisal that accounts for the suites.
A first-time buyer should get pre-approved specifically for a multi-family purchase before touring, because not every lender treats rental income the same way and the pre-approval process is where that gets sorted out, not after an offer is written.
Joel Dyck can walk you through what a Pleasant Hill multi-family actually cash flows before you commit. Get your hand-reviewed valuation from Joel Dyck.