@Angelica Valde let's assume for a moment that the loan won't care if you re-zone it after closing (which is the most likely scenario)...how would you qualify for the loan when you refinanced?  

I live close to a HUGE Marine Base.

I close a “subject  to” transaction in July 2023.

I am getting very close to understanding it.

I avoid post-closing possession in my deals, and usually advise my clients against it unless the situation is special. 

Make a list and look closely at each one to see if they are an option.If you can't find someone within your network, expand your network.

That said, they will still require you to have a minimum FICO of 640 typically and enough liquid funds to cover the closing costs and reserves.

I will be closing on a new property in Sanbornton, NH on 4/1 and am currently looking for the best policy/quote for homeowners insurance.

Typically, you just require that the property be vacant for closing.

Very close to the beach and short term rental is allowed How did you find this deal and how did you negotiate it?