Before the settlement and after this settlement, buyers always had the option to approach the listing agent directly with an offer, a power they've held all along.

I am looking at purchasing a 2nd home for vacation/rental options and need to secure a good real estate attorney. 

Local or national groups could be a good option.

Then last option would be a "unsecured" personal loan where the bank offers up to $50K for example to pay off and consolidate debts.The 2nd and the personal loan will pay off debts and lower DTI and you might have enough left over for down payment or just use VA again.

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I would also look into lease options.

If you allow the PM to find and vet the tenant, I'd want a qualified reasons and/or background reports as to why the PM thinks this is your best tenant option.

We have cash in the bank but want to discuss lending options to not drain our liquid.

Plenty of options here under $350k. 

Go DSCR and up the LTV to 80% if it will debt service if not keep it at 75%.Second option is get a portfolio loan you are buying more then 3 properties.DM with any questions if you want to understand blanket portfolio loans.