How to avoid mortgage insurance with less than 20% ?

[Kalo (Kyle) Atanasoff]

Hello All,

By law established 1999, to avoid / cancel PMI you need to reach pay at least 80% of the principle of based on the original purchase price.

My question is what are the other creatives ways to avoid the PMI ? For instance if you purchase the property only with 5% down, but if it happened that property appreciate a 25% in one year (it is a realistic appreciation for Nevada for 2013)?

Any other toughs to mitigate and cancel PMI earlier ?

Best,

Kyle