Multifamily Down Payment Amount

[Joel O.]

Ok, I've been told multiple times that it is possible to find a loan for a duplex as an investor for 20% down. Some of these programs would be a portfolio loan etc.

Then I was told Fannie Mae requires that for duplexes as invement properties can put down a minimum of 25% down.

I've talked to multiple lenders, banks, and credit unions with the same response that 25% down in the minimum for duplex investment properties. 

Now all of a sudden one of the many lenders I have been communicating with is saying that they carry a 20% down payment investment loan for duplexes.

Can you all help me get a clear answer to this because now I dont know what to believe and who to trust. Of course google has multple answers and very broad to find specifics.

So the question is, Can I get a loan for a duplex as an investment property with a 20% down payment.