Down payment for condo

[Sky Lin]

Hi, BP. I am in Phoenix AZ.

I am trying to buy a condo in Phoenix area for short term rental. Property price is $125,000.

How much do I need to put down?

My credit score is 740 and up

My lender told me it is easy to qualify for single family house, but it is tough to qualify for condo. In that case I have to put between 20%-25% down for easier getting the loan approved. What do you think? Do I have put that much?

I want to buy more. Or I should change a lender?