Lender down payment requirements

[Adam Daily]

Is 25% down the new standard on rental property? Im looking to buy a duplex in Ohio since prices here are so high. Its a duplex so I can't call it a second home. Every lender I've talked to has the same 25% down requirement for investment property. It used to be 20%, if not lower. The high closing costs really impacts the cash on cash return. It could take a decade to get  my $$ back out of the deal. 

Is this what other investors are experiencing? How would you proceed? Is 25% down the standard everywhere?

[Austin McClain]

I like the idea of house hacking to buy with a lower down payment. If it's possible for you to live in the unit, that could help.