Down payment on a small owner-occupied multi-family?

[Curran D Bishop]

I'm applying for a loan for a deal I'm under contract on: a 4 unit which will be my primary residence. I have had my local bank and a loan officer tell me because it's more than 2 units I have to put 25% down, but REI friends in the area, and another loan officer have told me that on anything under 5 units, if I'm owner-occupying, I should not need that much down. I'm in CT. I also own two SFHs in other states--neither is FHA or Vet. benefits, etc. Does anyone know why I have two different sources insisting on 25% down?