Understanding 25% Down on Investment Property

[Joe Rogan]

Hi Everyone. I'm a newbie in training. I'm actively pursuing a multi family (Duplex) which I will Not be living in. I was told that in order to purchase this investment property, I need a 25% down payment, as opposed to 20%. In all of the webinars I've seen Brandon of BP calculate using only 20%. Is this determined by the state or lender? I'd love to know how to pursue only doing a 20%. I know CA and IN both require 25% down. Thank you. Joe