Cannot get 5% down on duplex

[Brian Mackey]

Hello,

I currently house hack a home with an adu in the back.

I bought it in April of ‘19. Now I’m looking at a duplex across the street and I can only get it with 15% down owner occupied financing.

I have a mortgage broker who understands house hacking and has been working hard to find a lender that will allow me to get into the duplex with less down, but hasn’t had any luck.

What am I missing that I can’t get into my next property at a lower down payment??

Is it unrealistic for me to assume I’ll always get 5% down. I have a 740 credit score, great income...I don’t get it.