NJ Can't find 20% down Fannie lender on NOO. Suggestions?

[Roger West]

Hello,

Spoke with about 8 different local and out of state lenders over the last few weeks and all want 25% down yet Fannie guidelines appear allow 15%. I would like to get 20% down if it still exists.

https://singlefamily.fanniemae...

Any suggestions on who might be able to do this loan for NJ property? Must be conforming - not interested in DSCR (already have lenders for those).

Me= 800 scores, full doc, tons of reserves and 15 years landlord experience with all rents showing on returns. DTI is not an issue with me since PLENTY of income shown.

Thanks.