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You can not rely on rental income to help you qualify on a 2nd home transaction, and you can put as little as 10% down on a 2nd home.As for the 2nd part of your question: "Cash offer on distressed home in the Winter, rehab etc" - if you're paying cash, there isn't a loan, so you don't need to declare/specify occupancy when paying cash.

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Quote from @Brett Jurgens: @Don Konipol not out of the air, based on my own rental and a few hundred others we've done at Net Energy in 8 states.Brett, if you’re representing a business we need to know that upfront so we can understand that your post is actually an advertisement for your business and not an unbiased opinion that we can rely on.  

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This is better than relying on insurance because it protects your personal assets from liability.

@Sandra Feurtado would visit as many time necessary to get to know the market and build a team you can rely on going forward.

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Are they relying too much on their account managers to do all the work for them? 

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