Can you put down 5% down on a conventional on a 3 unit in PA

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Im applying for a mortgage at univest in PA. The lady lied to me says i can put 5% down conventional loan on 3 unit than after doing a hard inquiry on my credit. She says i cant without 20% down. This is such bs. She said you cant put down 5% conventional loan on 3 units in PA is this true ??