Bank FHA requiring 25% down

[Emerson Hazell]

Hello,

So I have been planning on purchasing my first property ever. My plan has been to buy a duplex or a triplex, be an owner occupant in one of the units, and put 3.5% down. Thinking this is very common with many banks I was hopeful. Iv come to find most of the banks I have talked to will require me to put down 25% regardless of occupancy, saying it's a new rule ALL banks are using. Has anyone els run in to this recently?

Thanks,

Emerson