Conventional Financing Minimum Requirements on Multifamily?

[Isoke Craig]

Hello! I have been getting great preapprovals from a couple of banks. However, I just started putting in offers on multifamily homes, and mortgage brokers have stated that for owner-occupied duplexes there is a 15% minimum down payment while for tri and four-plexes there is a minimum of 25% down. Have any of you encountered this? I am not opposed to FHA loans, it's just I know some sellers tend not to want to accept FHA contracts as readily as conventional in this current market. Any advice or bank recommendations are greatly appreciated.