Do you only have to put 10% down for a Vacation Home?

[Zach Chandler]

I am currently looking at purchasing a mountain house that is 100+ miles away from my primary home in Georgia. I have read that for a vacation home you have the ability to only put 10% down instead of 20%. Where I have received conflicting information, is when you want to rent out the vacation home via Air BNB when you are not there. Will lenders only require 10% down for a vacation home in Georgia that will also be a short term rental when I am not there?  Or will they require 20% down?