2nd home down payment %???

[Chad Jackson]

My plan is to get a heloc and use it for the down payment on my second property. My question is whats the lowest down payment % possible for a vacation home/non-primary residence, using a conventional loan or non FHA loan. Iv heard its usually 20%. My other option would be to refinance to a conventional on my house now, and use an FHA on the 2nd property. I just don't really want to have to move all my stuff.

,Thanks!!!!