This might be a rookie question, but I am stuck. Can you have two diffused maps on one object? I know we now have decals, but I need to put water droplets on a surface and I want to use a texture. The base will be a plastic and then the shiny and transparent water droplets.
VrayBlendMtl comes to mind as a as simple solution.
if you need more detail then TyFlow or even Chaos Scatter to place objects on the surface.
I think the blend material is perfect!
There seems to be no way to get water dropplets using this method. The droplets come out black and when I use opacity, then it looks like the drops are bubbled up paint. I am using a displacment map. The base layer is a white planstic, and the blend is glass, using a mask. The displacement gives it depth.
I saw that, thank you, but I need to control it with a texture, so it looks like the water is dripping down.
That’s ok too, you just use an animated displacement texture 
I think I am stuck with using particles. The client is asking for something that I am having a hard time doing. He goes out and sprays something with a hose, sends me the photo, and says. “like this”. I am going to give him what I can do and that is what he is getting.
Have a look at this. Dropbox
Ignore the lens effects, although maybe they help sell the effect…
This uses an animated raindrop texture as displacement, so maybe this, combined with simple motion blurred Tyflow particles (spheres) with collision to get them bouncing off, some particles dripping off vertically (again pretty simple I think), plus
some extra animated texture bump on the roof/gutter may serve the purpose.
That looks nice. I didn’t charge nearly enough for hollywood special effects, so they are getting what I can do with what I have 
Tell the client if they want something better they need to pay for a Nuke license for you. 
What I did was the simplest to do. Even the texture sequence is a free download which I found 5 minutes before I did that animation, so honestly it’s not too tricky to
set up the rest of the stuff to give them a decent output that, yes, is not Pixar, but likely within their budget and fairly convincing.
Phoenix is ideal, but they seem to want some strange look. They want rain coming off the roof, over and into the gutter, but they want to see drops on the gutter. You can’t have drops and water running over and into the gutter. Plus, water droplets on a white gutter are almost impossible to see. This project has been a pain in the butt. The client gives replies like, $40% less water and 60% further apart drops. Say what?
Also, when I run a full simulation, no water actually goes into the gutter; it runs right over and down to the ground. I am not sure their gutter hoods even work, other than keeping debris from clogging the gutter. The water looks to pour as if there are no gutters. I have to place the simulation so the water goes into the gutter.
By default there is no accounting for Adhesion to get the water to stick to geometry like in the real world. Try some Wetting and Sticky Liquid:
Alternately it may be easier to control and possibly faster to simulate with some invisible geometry to keep the water close to the edge of the gutter cover, to make sure it wraps around it (like a n extrude semi-circle (half a tube) just beyond the edge of the cover forcing the water to wrap around and under the cover.
About Adhesion (and Cohesion):
https://www.khanacademy.org/science/…esion-in-water
This is the problem. The water on the lid is flowing, and the client wants puddles. The dripping part is good, but they want the flowing part to look more like the dripping part. Looking at some passes, I might be able to do something with those in post. In the second image, they want a lot more black openings. I tried using a niose map to control it, but it didn’t seem to understand. I might be able to boost the effect with the third image.
This is what I have. Not perfect, but not bad.
I think that it gets the point across.