Low down payment conventional loan for a duplex

[Deontae Posley]

Hello everyone,

I have ran into a small issue. I found a duplex I'm interested in and can only use a conventional loan. I would normally just put 5% down, which I have, but my lender is telling me since it's a duplex, I have to put 15% down. She said that this is a fannie mae/freddi mac guideline for conventional owner occupant loans and will be like this mostly everywhere. I'm looking for a lender where I can only put 5% down and get funding. I am located in Norfolk, Virginia. Any thoughts ?