That could be a tough sell since land typically does not produce any income and has a tax overhead that must be paid or it goes to auction eventually.

Prices have also outpaced the growth of rents and inventory is low, so finding a deal that I can house hack effectively has been tough. 

Ultimately, and perhaps unrealistically,  what I'm hoping to find is a program geared towards healthcare care workers that lends despite my lack of a guaranteed full time position.Any thoughts would be appreciated.Much thanks.

@Todd Kruger tough question.

Requests for issues other than these are evaluated on a case-by-case basis, but most are declined as a nonessential service in compliance with the Executive Orders.We are allowed to work on vacant homes to get them RentReady, although these projects are taking longer than normal due to long COVID-required lines at suppliers and workers on sick leave.Property ShowingsWe are not allowed to show occupied rental homes per the executive orders.Vacant homes are being shown as we’ve adapted and moved to secured self-showings.Our overall application numbers are up significantly compared to last year.

I also live out of state so it’s been tough getting someone out to do minor things.

Once you start actually doing direct marketing here is the response you’ll get most often “everything is for sale, make me an offer at top dollar” you want to low ball and you want to use a very tough loan.

If you are in a $1M neighborhood and every other kitchen has granite counters, updated kitchen and stainless appliances, yeah you might have a tough time if you use cheap, plain white appliances and laminate with kitchen cabinets back from the 80’s...

That's a tough price range to get financing in. 

Tough with all this Covid stuff.