Using conventional 10% down mortgage while house hacking

[Ian Reeves]

Hello all, this will be my first post on BiggerPockets, I am very excited to be part of this community, what an excellent resource!  I just purchased my first duplex in the Kansas City area.  I financed the property with a 10% down conventional loan.  My current plan is to live in the duplex, make some cosmetic improvements (one side needed some work) and repeat.  I am getting some conflicting information about what will be required when I go to make my next purchase.  Will I be able to repeat this scenario with a 10% down loan or will I need to put down 20%?  My understanding is that generally 20% is required when purchasing an investment property (not owner occupied), but down payments can be 10% or even a little less if owner occupied?  Is this correct? If I live in the first property a full year and repeat am I likely to have any issues having an existing loan that is not for my primary residence?  I expect to have close to 20% equity in the duplex after the first year and renovations.  Is there any risk of the lender calling the loan due?  Thank you in advance for your help,  -Ian Reeves