Downpayment guidance on duplex

[Al Pat]

I'm in the process of acquiring a duplex in metro Atlanta. I am working with a lender but he is telling me that for duplex, I need to put 25% down for the financing. I was planning on 20%, I can do 25% but I want to know if anyone recently closed on a duplex with 20% down and walk me through their experience. This will be my first duplex as all other properties were SFH. Thank you for the guidance.