Second Home Funding

[Tom C]

Have a client that lives in NY, and is looking to buy a property in Florida.

The client doesn't have a mortgage on their credit report, but since this is out of state, will they need to apply for a second home mortgage?

Or can they apply for primary residance? Maybe they live in Florida six months, and six months in NY...?

Who knows of a creative lender that can make this happen with as little down as possible?