The seller should not be expecting you to be the buyer, or surprised when you aren’t. 

I then modify those numbers based on the buyer's preferred down payment/return hurdles.

I've got a prospect that is in just this situation. 

I will be a 1st time home buyer , when getting a loan from a bank how do i show them proof of income from my 1099 form/s.

I’ve worked with several first-time investors, including out-of-state buyers like yourself, and it’s 100% possible to build a successful short-term rental (STR) business even when you’re managing remotely.

Good Luck, Luis Maquiera   Miami Multifamily buyer

The more discount you provide, the better chance you find a buyer.  

I’ve tried talking to cash buyers, but the rates are so low that we would have nothing after selling it.

They recognize the buyer can destroy the seller credit, but they are in such dire straights that the risk is justified 2) the seller knows the buyer and has so much trust in the buyer that they have every confidence that the buyer will perform on the loan.From a buyer, it provides a means to get an interest rate from NLT q1 2022 that is a fraction of today’s rate.  

So that's a plus for buyers.