1-4 Unit Owner Occupied Financing - 25% Down?

[Jonathan Farber]

Hey all, a friend of mine is looking to do a house-hack on a 3 unit.  She had a call with quicken loans and they told her on an owner-occupied 4-unit, she had to put 25% down.  I haven't done one of these in a while but I did a 4 unit in 2015 and that was not a requirement.  I put under 10% down.  Curious if anyone has experienced this recently?  Also if you have any lenders who can service a quadplex owner-occupied loan with a lower downpayment (5-10%), please shoot me a PM.  Thanks :)

@Brad Farber @Jay Dertzbaugh