Thought they wanted to stay the night for a second.

I will have a conventional loan on the property  and will be on paper used as a second residence.

The report points out discrimination related to disability is easier to detect because the discriminatory action often involves denied requests for reasonable accommodation.The second most reported type of complaint was discrimination on the basis of race, totaling 18.5% of all cases.The study also reports that housing discrimination occurs more in the rental market than any other types of real estate transactions, as it’s the most common and frequent type of housing transaction.

Should have taken out the cash then but I wasn’t thinking since I wasn’t actively looking for a second property at the time. 

I wanted to buy it as a second home but my lender is saying that since I do not live/work in that state plus it is not a single family, the only way I can buy it if I do it as a rental (20-25% down).

I added a brief post about this on my profile, but here are the rest of the details:This is my second deal.

If your primary Lender allows second financing you might approach a Private Lender let you borrow some other money. 

There are no second chances for this guy.

If you are renting out you should figure out if you can get a second entrance (variance?) 

I want to second what @Odie Ayaga @Tarren Pettigrew suggested.