http://www.gtaforums.com/index.php?showtopic=450253
i found this on the forum . Hope it helps .
try this and see if it helps:
1) create a text file called commandline.txt and place it in the root directory of GTAIV (where the EXE files are).
2) within this txt file copy and paste the following lines as is:
-noprecache
-nomemrestrict
-norestrictions
-availablevidmem 2.0
-percentvidmem 100
-refreshrate 75
3) run the game and see if there are less pop ins.
not all lines have anything to do with your issue but im giving u these command lines since they are what helped ME get rid of a lot of these pop ins, and i have a 512mb card.
the command lines might give u stutterings during gameplay although im not sure they will. it's the effect of -availablevidmem 2.0 . u can reduce it to, say, 1.5 instead of 2.0 but what might really help u out is the line -percentvidmem 100. maybe it will help the game maximize the usage of your VRAM.
worth a shot.