Wells Fargo and the rising percentage

[Steven Shotts]

So I have been going through the rigmarole of getting financing from a major bank and I've found a property that I'm interested in, but when I started this I could put down 20% and now I'm being told that it's 30% down for a 4 plex.  Every stat they have pulled on me is amazing. Credit history, criminal history, work history, all of it and yet I still feel like there is a barrier to joining the investors. Is there anything else I can do?  Try another bank? Go local?  Mortgage broker?  I don't want to do hard money, but beggars can't be choosers.