does fannie mae require that the 5% downpayment be from the borrower's own funds when there is a non owner occupant coborrower

Yes they do. However, FHA will funds to be gifted by a family member.

No, you can have gift funds OR from a non-occupant co-borrower. FNMA does not consider the income of the non-occupant borrower in calculating DTI but assets are fine. Some lenders have other requirements that are not set by FNMA but their own additional rule that has been added.

Fannie Mac does not, but does require that the occupant borrower qualify for the payment, where as Freddie Mac does care and requires that the occupant borrower have 5% of their own funds, but the occupant does not have to qualify for the payment by themselves.