The Wichita market currently does not have enough supply to meet the buyers need. 

(meaning you're the buyer)Ex.

That's a very small inventory when especially considering buyer needs like, budget, location, bedrooms and aesthetics. 

Quote from @Kyle Carter: What about if I already have a rental, not with the home buyers program.

Just because a buyer doesn't fit the bank criteria, does not mean that they are a poor borrower.

The real estate market has shifted dramatically in recent years rising interest rates, evolving buyer and seller expectations, and fluctuating property values are keeping all of us on our toes.

But I find from personal experience and from my buyers' Airbnb experience that it's a bit of a hassle trying to get guests to rebook at the new listing.I don't know how strict Joshue Tree is at enforcement, but in Denver and Colorado Springs here, you could probably get away with an STR listing for three months without the license.

One, you might want to consider Seller Financing (in Michigan, we call it a Land Contract) which can allow you to buy property while using the Seller as Banker; not all Sellers are open to this, but it can be beneficial to both the Buyer and Seller.

I think it’s just a seasonal/holiday slump but it’s a good time to be a buyer!

I've been reading more about subject to and here's what I've learned:-Good for sellers who are off market-Have low to no equity-Have a mortgage with a low interest rate (less than 5%)-Be absentee or out of state (vacant property, or have a tenant)The buyer would then take over the mortgage payments, and have the seller sign the deed over to the buyer.