As others have suggested, you could get a conventional or FHA loan if you want lower down payment options.

Question 2: if homes upside down on mortgage what are my options?

Platforms like Angi or a quick Google search can also help you find reliable options.

Without being able to make money as an agent remotely, the only other viable option I see is just go back into cybersecurity with a W2, and invest on the side.

Hi Lina, It’s exciting to hear that you’re looking to invest in a mid-term rental (MTR), and I’d love to help you navigate the financing side of things.Understanding loan options, down payment requirements, interest rates, and how lenders view MTR properties is crucial to setting yourself up for success.

@James Tobin  yes FHA will be a very low downpayment option for you.

Florida’s got options; it’s all about digging in and making the right move!

Even then, all of my booking.com clients are American I offer a 25% discount 0-3 days out. add a 15% fee which essentially covers your commission. set up with one hour to cancel, flexible / strict option but no refund 60 days out or later. sync it with Airbnb and or the other ones you are doing.

Quote from @Paige Seeley: @Jay Hurst even with 20% down, what non conventional options are you talking about? 

This means, on average, that this person is facing foreclosure or bankruptcy, and has no other reasonable options.