20% down payment for a duplex? Or did the rules change it to 25%

[Ken Badziak]

I'm looking for a lender that would do a conventional loan on a duplex in Cleveland. Every book I've been reading always used 20% as the standard row payment, but now not one but two banks have told me nope, need 25%.

Is this the "new normal"? 

Are there any banks out there that will do a conventional 30 year fixed with 20% down?