Need 20% Down For Second House Hack?..

[Art Maydan]

I bought a duplex with 5% down conventional to house hack 8 months ago and I’m starting to look for another multi-unit to do the same with in a few months. I asked my lender how low a down payment he’s offering on conventional owner-occupied multis right now and he said 20% since I already own a multi. Is that accurate or do I need a new lender?