Quote from @Melanie Johnston: Hi @Travis Peterson.It's always best to talk to a local loan officer as they are licensed in our state and have access to options beyond what banks may offer.I will DM you lenders who have helped my BiggerPockets STR clients buy in Scottsdale and Metro Phoenix.And I would be happy to be a resource for you, so please feel free to reach out.Melanie Hi, I'm looking for a community bank or portfolio lender who can offer a vacation home loan with a 10% down payment.

I would definitely mention in your property description that the property comes turn key, and offer to show the properties rental history/income.

You could offer them cash for keys!

Google the job he's been offered at the base.

I appreciate the offer and you taking the time to reply.

Getting your first rental property near where you live offers several advantages, especially for a new investor. 

I would offer 1.6.

It might force me to actually finish his program.

She choose to take a cash offer from me with a delayed occupancy for 2 months to give her time to move out.

Nick,Depending on what you have for a down payment there are other programs to help avoid the hourly and overtime.