20% down on investment properties??

[Jose Quintana]

Hello everybody, I'm a first time investor looking to get into rental properties. I live in Northern California at the moment. Recently I was contacted by a lending company from Los Angeles. I believe the company name was "Koncord". In talking to the lady I explained that I wanted to look into financing for an investment property. She proceeded to tell me that In California one needs 20% on an investment, no other way around it. My question to everyone, is this true? Are there anyways around this if it is true? I appreciate any responses. 

Thank you

Jose Quintana