Years ago I was able to get a 85/15/5. 85% first mortgage, 15% second mortgage and 5% down. The 2nd mortgage worked out to about the same as the cost of PMI but

Years ago I was able to get a 85/15/5. 85% first mortgage, 15% second mortgage and 5% down. The 2nd mortgage worked out to about the same as the cost of PMI but with the advantage I could deduct the interest on my taxes so overall it ended up cheaper. Not sure if that's an option now.