I haven’t bought but after speaking to a mortgage lender this was a second option. I can put down anywhere from 5-10% of the home but that would still require a 80/15/5 type loan. For the second loan it was mentioned a HELOC can be used or I can get into a fixed rate. The benefit of the HELOC is that if I do pay it down that credit is available if I ever had a need for a huge amount of cash in an emergency. The drawback is the chaning interest rate.