I’d even say 10% if you have other assets out there and over a 720 FICO.
Less than 10% is really where things get hairy...but I’ll even concede that 3% down FHA loans really didn’t have major losses until they started using it as a subprime substitute.
Throw in 3 years of verifiable income, and I think we've got it licked.
A "one size fits all" approach just doesn't work, but common sense does. If I'm a mortgage lender, I would demand 25% down (or more) from attorneys, due to their sophistication and knowledge of ways to get around the system.
Attorneys have a poor reputation when it comes to paying their bills on time.