Lender is tells me I have to put 20% on my second fha house hack?

[Dionne Rodriguez]

I live in eastern MA, 2O mins approx from Boston. Was on the phone with a lending officer and was telling him about my goal to buy my second house hack property. I currently own a 3 family I bought September of 2020 that has decent cash flow after moving out. I plan on refinancing to a conventional loan to take advantage of the fha loan again, but the lender told me I would need to put 20% down for the second fha loan. Is this accurate ? I thought down payments are usually 3.5% or 5%. Also willing to talk to any lender and share any specific details.

thanks!