Does anyone know of a bank that can do 20% on a Duplex?

[Sean N.]

I have a SF rental that I want to sell and 1031 into a duplex.  Couple of the local banks and CU that I've worked with in the past all say 25%.  Wondering if I can find a bank that's able to do 20% so I can look for a higher end duplex rather than spending more money to get into a less expensive one.