Info needed for duplexes

[Vilner Labranche]

Hello BP I'm a little confuse please help me oit. ok in the forum somebody mentioned that I only need 3.5% down for FHA loan for duplexes as long as i live there, Google tell me the same thing. I know this realtor whom I asked and she's telling me that I can only get a 3.5% down for 1/2 duplexes, they wont give me loan for both unit i would need 20%-25% down payment. so is that true?