House Hacking down payment

[Brian Warren]

Well I have been reading up on house hacking, I purchased 2 Triplexes this year and when talking with the bank they told me that even if I lived in them I would still have to put 20% down. From my understanding if it was a quad or less it would be less of a downpayment. He told me that I could do a duplex for 15% down but otherwise it's 20% no matter what on anything that isn't an FHA loan.

Is my loan officer wrong? Or am I missing something? I would like to continue buying properties but these 20% down payments are a killer on the savings account. Any advise?

Thank you