I live in Kansas city right now but we are wanting a property that is attractive year around so we can maximize its occupancy.

Private money lenders are typically not licensed, private individuals you form a relationship with and one in which they are looking for alternative investments other than the stock market, bank CD, etc.

I've heard both sides, but expect it's difficult to really attract a buyer without a property to show.

Seems like the short term rental is the way to go if I want to move forward on the property but am hesitating as we are going into winter and most of these local attractions go dormant quite a bit due to NE cold winter months.Would love any advice on if using this property as a short term rental in my area could be successful despite a good 4 super cold months where people dont frequent these attractions as much?     

Are there specific programs to use or have you developed alternative forms that do the job with simplicity yet effectively capture the details?

I have spotted some good opportunities and even bought one as the numbers were attractive.

Leveraged my FHA offer with attractive contingencies and was able to use a lower appraisal to reel in purchase price.

I can no longer afford to do so and am looking for alternatives.

If you put less than 10% down, you will pay Mortgage Insurance for the entire life of the loan, if you put more than 10% down, you will pay for 11 years; even if you put over 20% down...Alternatively, you could use your current income and buy your primary in the new state now... there is no rule that says you can't own two primary residences... 

Does anyone know a mortgage broker with the most competitive rates and attractive terms?