Does this house have to have an investment property loan?

[Caroline Radacina]

Buying a duplex in another state, and the bank said that it would be an investment property which means they want 25% plus closing costs...and then a ton of money in the bank as reserve.

However we used this lender before, for a house so you would think they would at least give us a better deal since they know we paid the mortgage on the last house?

Is there a way to get around this?