Down payment assumption for 50% rule analysis....

[Toby Johnston]

What should I be using for the down payment assumption when applying the 50% rule? Obviously, the larger the down payment the smaller the mortgage and thus the greater the likelihood of actually passing the 50% rule threshold. I mean passing the 50% rule with a 20% down payment is a lot better than a 30% down payment, right? I'm interested in hearing how others think about this.