when do you need to put down 25% to not have PMI

20% down avoids pmi . some lenders will do a piggyback with 10% down and a 10% to avoid pmi

20% down payment will avoid PMI . but ask your accountant if PMI is tax deductible for you .. it might be a tax advantage to have PMI

You should be able to avoid PMI when the first loan has a loan to value of 80%. This 25% down might be an investor specific program.

It depends on the loan product you go with.. if your using FHA or USDA, then the MI is on your loan until it gets paid off.. regardless of how much you put down.. with VA there is no MI, but you must have VA eligibility.. and for conventional, you need to be at 80% Loan to Value to avoid paying MI.. (20% down).. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com