Lending issues on getting an owner occupied loan

[Lynzie Mackey]

We have two owner occupied loans and my lender said I cannot get into another owner occupied (5% down) loan, even a year after our last purchase. He looked at our financials and said it's because we have a couple of LLC's, which one is labeled Vacation Rental Manager and said we look too much like investors and will need 20% down on our next loan. We are wanting to move on something, and have the 5% down for a new property, but not 20%. Any advice?