Multifamily House Hacking

[Oscar Martinez]

Hello investors, I currently own a duplex, and I am renting one unit out. I bought the building 6 months ago  and want to live in it for another 6 months before moving into another multifamily home. I plan on keeping the first unit. Do I have to pay 25% on the first property before purchasing the next home with a 3.5% down payment? I'm being told by the loan officer that this is the case, but I am also reading online that you can avoid the 25% down payment if you have lived in the house 1 year. Can I get some advice?  I have the cash for this, but I would like to know if I have more options. Thanks.