Unique Lending Options?

[Michael Nagai]

Hello! I'm a first time poster and am looking forward to learning from the community! I'm looking to purchase my first rental property, and my goal is to get a low fixed interest rate mortgage given my circumstances. I'm reaching out to the community to receive advice, suggestions, and/or directions. Below is a summary about my finances -

1. I have >200k in cash, >500k in liquid assets, and >200k in retirement assets

2. I haven't been employed for 2 years. I don't have any documents to report income for the last 2 years, other than the dividends. 

3. credit score >750

I checked with a Direct Lender, and I do qualify for the Fannie Mae Asset Depletion loan, but I would have to claim that property as my primary residence and I would like it to be a investment property. Any advice or suggestions you may have will be much appreciated. 

Thank you for reading my inquiry! 

Cheers,