heheheh.. go get em Rus… Actually everyone makes more money the other way (two loans) correct? The originating lender, the brokers, the homeowner gets a better write off… My first condo back in 1991 I went the PMI route. When I bought the home in Talmadge in 2003 I went the two mortgage route. I did actually run the numbers in 2003 for my purchase and the two loan route was the better way to go. That was just my case though.