Hi Victor, You should talk to a local lender about a bank statement loan program.

Talk to a lender that specializes in VA lending, preferably a local one.

We talked for a while, he liked the fact that I was not salesish and decided to sell the home to us.

DM me your contact info so we can talk.

Initially Zack said nothing about refinance the 1st mortgage, only talked about 95% or even 100% LTV, seems a good fit for me.

If you ever want to talk further, reach out! 

LOLIt is, but OP doesn't explain how much money she's talking about here.

I'd be happy to talk to you about how to make yourself ready.

Absentee won't care about your first home purchase at all, but may want to get rid of their only property in your state.You can't write a letter as a first-time buyer/investor talking about seller financing, that comes when you get there.

I'm talking about 80 to 100 units.