Please be sure to work with a rockstar LO who is looking out for your best interests and getting you into the right product. 

Once you know what you can make then make your LO offer work for what you can make plus a spread you are comfortable with.

I have a pre-approval for a Lo-Doc, non-owner occupied loan up to $500,000, 25% down, 6.25 interest, 30 years -- and my loan stipulates whatever property(s) I choose, the 30 day market rents have to cover the total payment (including any HOA). 

@Angdronell Durant  Finishing probate is the preferred way to handle the property of owner(s) who have died. 

Also, on youtube.com searching on "subject to" has A-L-O-T of great videos. 

Remember with some lenders you can use 75% of rental income (even potential with some LO's) to help your debt to income ratio.

Picking a CPA is not really like choosing between Lo Mein or Fried Rice at the buffet line! 

If you do check in with your LO and you aren't convinced they're out for your best interests, go ahead and get a second opinion.... this guy might not do "second homes" the way I don't really do reverse mortgages, if you call me with a question on that and I give you bad info, I'm not going to begrudge you for going to a reverse mortgage specialist (IRL I'd just tell you upfront that it's not my thing, but w/e), same thing here.Those factors above - high income, didn't max out DTI already, etc, are why you don't see a lot of "second home" mortgages.

Try to meet LO and see if this right eligibility  for you. 

I have no opinion on the website mentioned by @Jeff Helm, but I voted for his post because a proper LO is not impacted by DF.Don't use 'rent to own' or 'rent credits / purchase credits' anywhere.Mine are a lease with separate 'exclusive option to buy' and any consideration reduces closing costs at exercise.