If you find an investor to buy them, send them my way for the loan.

New loan is a 10/30.

Don’t overlook the 10% down second home occupancy loan for financing a property like this.  

I am not sure what you are looking for here, but you can't get a loan without having homeowner's insurance.

@Tobi Isaacs  Third Federal Savings and Loan.

Most non-FHA loans will require at least 15% down but you'll have to have amazing credit.

Your Lender My suggestion to find #2 & #4 would be to go to the top of this page and click on AGENTS & LENDERS.There you will be asked your criteria and then after answering a few questions you will be matched with 3-5 agents or loan officers in your area.

For some buyers it would end up being less than a 2.5-3% commish, and for others more.The tricky part for the buyer is it would have to come out of their pocket in addition to the down payment, whereas a commission paid by the seller at closing is included in the purchase price and absorbed into their loan (usually unless paying cash obviously) so the buyer only has to make the down payment out of pocket.

Are you looking for better loan terms from the lender?

I would recommend reaching out to @Denver McClure as he may be able to help with a non-conventional loan