Is this normal?

[Dean Klein]

I'm purchasing a duplex in less than two weeks and my banker called and said instead of putting 20% down, I could put 10% down and my payment would only go up $80 a month including PMI, so I can save over 10k on DP and use that for future purchases, and she said she could even include my rents right away and not have to wait 2 years. Anybody else ever been able to only put down 10% and not 20%?