Ideally, my buyers are fully employed and financially liquid foreigners - be it from the US, the UK, central and northern Europe - either a single person or a couple with 0-1 kids, looking to live there right now, rent it out as an investment and then sell it, or use it as a future base for retirement.

It's like a person who has serious stomach issues but refuses to go to the doctor because they're afraid they'll be given a terminal diagnosis.

I'm going to be that person who asks if you might be willing to also send me the same files? 

I use Travelers and had insurance on the landlord, dwelling and personal property level (because if the place is furnished by you, you have to have insurance on it) and they didn't cover anything.

Personally, I'd say find a market you want to go after. 

what  happens if one partner wants to exit the property in the future and the other person doesnt )    2)  consider  buying and  financing it as a rental property  or using a DSCR  ( debt service coverage) type loan   3)  consider  additonal co borrowers  that are  strong  ( relatives )   4) obtain a new job that has a salary  that can be used  5)  wait to buy unitl you have the  seasoning for the variable income 

If it was me, I'd go there in person and DEMAND my money back, especially if it was misrepresented and they did nothing they were supposed to do for you!

It's an exciting but complex decision, and I'm reaching out to this community to gain insights, advice, and maybe learn from personal experiences.Pros and Cons:I've identified several potential pros and cons but would love to hear your perspectives.

Do you leverage your handy man or some other "boots on the ground" person.

It might state you are applying at ABC Bank for an 80% LTV loan with up to an 8% interest rate with a loan of $XXX,XXXSo, if you don't qualify for that loan, or you cannot get the interest rate stated, or maybe the appraisal is too low to an 80% LTV loan for that amount then you can break the deal because you can't get the financing you anticipated but instead you are CHOOSING (based on advice of the loan person) to switch lenders.