Househack down payment question

[Yader Gomez]

Hello all!

I'm currently in the process of moving to Phoenix from Orlando for my new job. I was pleasantly surprised to see the MFH inventory is much better than in Orlando. Found a few I liked and got my agent to start getting more details. But the lender that my agent works with is telling me that since they have additional units beyond my primary residence, any of these will require a higher down payment and the lowest I could get is 10% for a duplex. 

I'm still learning but this seems to go against the whole purpose of house hacking. I'm waiting now to be sent a guide she says that spells it all out. Is this a Phoenix/AZ thing or is this maybe just specific to this lender? Any help is greatly appreciated!