Owner occupied down payment

[Aaron Vargas]

My wife and I are looking at purchasing a duplex but the local lenders we have spoken with told us that they still require 15 percent down even if the duplex will be our primary residence. Has anyone else run into this issue? Are there any creative ways to pay a lower down payment? These local lenders don’t do FHA loans. We are in Lexington, KY. Thanks for the help!