People with good credit scores can even be denied.

Half assed truths exists forever on the internet. 

Then you may shop in that price range.Tip: check with your local credit union: they will consistently have better rates and often the underwriting of loans is done locally.Mike

Could you send them a credit/debit card you can reload from America?

My credit is poor right now but can easily be improved as my income is much better lately. 

I do not wish to waste my time watching videos,searching the internet for how tos and what I should be doing.

I think they are just an extremely conservative bank and that is their interpretation of Fannie's guidelines.I have already gotten approved from some other banks (credit unions), so I'm not worried, but I am curious if anyone else has run into a bank telling them they need at least a 20% down payment on 3-4 units, regardless of it being FHA or not.

Others tap into personal savings or use business lines of credit for more flexibility.

IF I had listened to the " internet" well.... 4.

They do free sign up with 100 free credits so you can try them out.