Most credit unions do not help with non-owner occupied properties. 

We've found it has superior reporting features, integration features, and is overall more efficient to work within than other REI-specific software.The downside is QBO is not set up for REI so you'll need to do that or work with an expert to ensure it is set up for your business appropriately.

You could also look into non-recourse loans.

I need to talk to experts.

I'm eager to meet and collaborate with fellow investors and industry experts who share my goals and principles.

We think it’s important as it allows us to check for Non-Sufficient Funds (NSF) issues and to determine if an applicant is living paycheck-to-paycheck.

@Kevin Hilton not sure which market you're looking at for your next purchase, but I have a lending partner who can do investment deals (including non-warrantable condotels) with just 15% down if it helps. 

I'm no expert, but I know several people who have had loans called due on sub to deals because of the way they structured their insuance policy.

Waco is a great rental market because there are so many blue collar jobs that provide consistent demand for housing (I have heard that 80% of homes in Waco-proper are non owner occupied) but there is a lack of white collar jobs that would keep Baylor graduates here or bring working professionals from Austin/Dallas. 

Either way, it's just part of the process.I have been doing this for more than 30 years and my last four non-syndication deals that I was fully under contract on have all failed for various reasons.