Try creative financing like seller financing, private loans, or partnerships.

I've watched all the calculator tutorials but do not know which one will be the best for me since I will not need a loan to purchase the home.

I'm not on the loan at our current primary resident or the townhouse we rent out.

@James Bruntfield the blanket loans that most banks offer normally have a higher loan amount than what these properties would qualify for.  

Think about what that will do to your cash-flow.... and you have absolutely no control over those situations.  

I have been investing in Toledo, OH since 2009 and owned 2-12 unit buildings and find they are way too hyped (read lots of guys from BP want to pay too much for them) and the reality is residents in Toledo are ultimately seeking a house with a yard and a garage so as soon as a resident improves their financial situation they move into a house.

You will likely want to use Hard Money for the purchase loan. 

How do you handle this situation?

Through diligent research, I successfully secured a favorable private loan and became eligible for a home loan.

This post reminds me of a situation like you see a baby laying on the train tracks.