They tell me he's 95 years old so I figure he's not buying another primary residence for himself.

If that is now a private residence, you could go after them, but again the best case would be for insurance to handle this

A lot of lenders will only let you do it if it’s your primary residence and i’m trying to avoid that.

AlabamaAlabama residents enjoy a low cost of living and a thriving economy.

The five most landlord-friendly states are:West VirginiaArkansasLouisianaNorth CarolinaAlabama AlabamaAlabama residents enjoy a low cost of living and a thriving economy.

@Michael Upson is this for your primary residence or an investment property?

. - Two single family homes in a community reinvestment act, therefore only require 3% down, get 1% of rate, and receive $6,000 towards closing costs.In order to receive these extremely low down payments, i would have to technically live in the residence for a few months as they do not offer these for investment properties. 

One is our primary residence and the other 4 are used as rental properties.

One is our primary residence and the other 4 are used as rental properties.

Investment Info:Single-family residence buy & hold investment.