Need a Source for Owner Occupied 2 Unit Down Money

[Tony T.]

My wife and I are splitting up and she has a contract for a 2-unit where she will move in one and rent the other. The lender put her through the rigorous application process and suddenly the loan officer is telling her that he JUST discovered that the guidelines require her to put 15% down instead of the 5%.

I'm pretty sure that's false, but I want an official reference (on the web) to show him it's false (unless it's not). Thank you in advance!