10% Down Vacation Home Loan - Which states can you do it?

[Julia Taylor]

I'm researching STR markets and wondering which states/markets it's relatively easy to get a 10% vacation home loan in? I've been pre-approved in FL, NC, GA, and TN. However, in FL the 10% down doesn't work for most condos (and condos are what my budget will afford), and in NC both lenders I've talked to say you need 20% down, no matter whether it's a condo or a SFH. So I'm searching for additional states/markets where lenders can do the 10% down (I fell in love with NC and then later found out about the tighter restrictions - trying to avoid that situation again!).