Investment property down payment

[Yossi F.]

All,

       What is the latest down payment requirement for an residential investment property in the New York area? Specifically a property with two houses on it (i.e. a multi-family property but not a multi-family building).  I am not referring to raising the actual down payment funds. I am hearing 30% these days. Is there any way to reduce this even though it won't be a primary residence? Any regular or creative way? Even with PMI?

Thanks for all the help,

Yossi