anyone experience this?

[Qulia Brunson]

I'm trying to purchase a duplex with FHA financing. After getting approved the loan officer said I could purchase a duplex with FHA financing. However the duplex I want is two parcels so now the LO says I need two different loans, FHA for the owner occupied side and Conventional for the tenant occupied side. On top of that if I find a duplex with one parcel I would have to do a 20% down conventional loan. None of this sounds right or makes sense. Is this something new or has anyone else experienced this?