20% Down Not Enough on Investment Property? Can't get loan

[Taylor White]

Hi everyone, I've been working to start my real estate portfolio and looking to find a property to rent out. I ran all the numbers prior using mortgage calculators so we already began seeing properties with a certain budget in mind. I have 20% down for a property but when I call the bank to get a loan, they either don't do investment mortgages right now (USAA), offer a 15-yr fixed loan (Navy Federal), or require 30% for a deposit (Chase). My question is how do I do this? I have excellent credit, 20% down, but I can't get a bank to give me a loan because it won't be my primary residence. Must I say it's an investment property? We're a military family currently stationed in the UK and I don't want to omit information but I can't seem to break this door down... any advice?