I invest in newer homes so I'm not as adverse to as much risk regarding maintenance issues. 

Also, obtaining a more attractive debt to income ratio is something that I've also identified as a potential hurdle I will need to overcome in my early years, but it does not seem to be an impossible task. 

Look at their previous deals and find out how they’ve dealt with adversity. 

that's a tough one to overcome.

Second question - How do I overcome the Mainer's bias against people "from away"? 

Its like they are adverse to technology but found my listing on facebook.

A lender makes an attempt to estimate the amount of non-recurring closing costs and prepaid items on the Good Faith Estimate which they must issue to the borrower within three days of receiving a home loan application.closing statementSee Settlement Statement.cloud on titleAny conditions revealed by a title search that adversely affect the title to real estate.

If its been 10+ years and they have been taking care of that land then they could file in the courts that its now theirs through adverse possession. 

Unfortunately the bank loan market has become really tough, with the banks tightening restrictions, imposing difficult metrics to deal with and applying commercial rates and fees to my property.I've been able to get a basic commercial loan offer, not what I wanted, but what I could get.  1m loan, 5% fixed rate, 5 year term, 1.25% fees and legal up front, and a lot of paperwork and hurdles to overcome yet to ensure I actually get the loan approved.  

One of my business partners back in the 2000s was in Garbage.. and he sold to waste management for 65 million.. so not a billionaire but well off .. he paid his tax's had zero debt and the rest was in double tax free munis.. and all of his real estate holdings in and around Napa were paid for as well as his home up at Tahoe and his place in Kona and his hunting ranchs and his duck hunting ranch's etc etc.with his help I made it through the great recession.. but I am the first to admit I got my butt handed to me.. debt was not my friend and now I am pretty debt adverse other than construction loans that are all 15 months or less..