I'm a licensed general contractor in ohio and just passed the experience qualifier in miami dade county 

Certain lenders will understand the travel healthcare pay better and might be able to qualify with past W-2s, pay stubs, and contract terms. 

We found most folks can read the standards and do not bother applying (paying the application fee) if they do not qualify.

It's all about what you're looking for and if your home qualifies :)  I would recommend reviewing your specific situation, the value of your property, and your risk tolerance to determine the best approach.

This may be more of a question for a lawyer, but from a tax perspective, that's my input.It's also worth looking at the sec. 121 home sale gain exclusion to see if it might be something you qualify for in order to take advantage of the exclusion amount since you mentioned it was a previous primary residence.

If your girlfriend qualifies (enough time in service), she can use her VA loan.

You also have DSCR that "Does Not" use income - No income, No tax returns and just uses rents to qualify for purchase or cash out refinances.

.- Lastly, in you qualify for Conventional, it's almost always a better deal than a comparable DSCR loan.

The most qualified land flippers I know are Pete Reese, Brent Bowers, and Travis King.

You might also be a good candidate for a small boutique hotel, an operator looking to retire will often entertain seller financing on fair terms and you could likely qualify for a SBA loan to help with your vision.