Low Down Payment Loan for 4-Unit

[Emmett Gorman]

I am looking to get a Low Down Payment loan for a 4-unit house hack. My bank said that on a 4-unit, I would need to put down minimum of 20%. Is this correct? My understanding was as long as I occupy one-unit, I could get a FHA loan with as little as 5% down.

I would not be a first time home buyer as I am currently in my own house-hack and have a few other rental properties. Would this make a difference.

Thanks you all the help.