Do you have to get the piggy from the same lender as the primary?
Can't you shop around the package?
How quickly are you going to pay off the 2nd loan (whether it's from a bank or yourself)?
I guess this is an option, but then that piggyback loan gets calculated into qualification for the primary loan. Also I'm not sure exactly how to say get a loan for 10% of the home price....what is the collateral in that case? I read about ppl getting HELOC for this, but I don't quite understand how you get an equity loan on a home you haven't even purchased yet. I need to research this thoroughly because I don't trust asking lenders these kind of questions .
Another option may be to get a low interest loan from a bank or credit union without specifying what it's for or perhaps some kind of 0% credit card offer. Admittedly these two sound like reaches though.