I would definitely fly to that market and meet local investors and most importantly local bankers. 

In the process of maintaining the 2 properties I purchased from ABC at Maverick's direction, I have encountered bankers, appraisers, attorneys, property managers, and even former ABC salesmen, all with stories of ABC's shady, unethical, and borderline criminal dealings.

Hi - Does anyone know of any bankers who accept less than 20% down on a second home/investment property?    

But, as I said, I sort of answered my own question by bugging a local banker.

Let me explain to you our team:Investors- Analyze the property, pull the deal on offers, determine cap rates, etc.Agent- Make the offer in a timely manner, know due diligence requirements, get sellers/bankers all the documentation quickly and accurately.

When he told our regular banker, she countered even lower. 

I am part of Coldwell Banker now but would rather not pay all the dues and affiliations that come with it as I am part time and looking to grow with something that is more cloud based. 

So after receiving everyone advice about using the first time home buyer program and getting an FHA/Conventional loan, I talked to a mortgage banker today and she told me that I would not be able to do it with MFR if the property is zoned as a MFR.. she said the program is meant for SFR.Then I went on to tell that these homes are SFR as long as it's up to 4 units.

Scorese with First Trust he's a mortgage banker in S.

I was with a Caldwell Banker office in my area, and the owner would not let me open a PM business of my own.