I think 20% down payment on a home is fine if you're not interested in using the home down the road for cashflow or investing your money for cashflow in other ways. If you plan on living in it and paying it off asap, this is a fine approach.

BUT if real estate investing is your goal to obtain cashflow and own multiple assets where renters help pay down your mortgage, low down payments is the way to go for the best ROI for new investors who can owner occupy the homes to start or qualify for vacation home loans.