Vacation Home Loan without having a primary residence?

[Scott McEntee]

Hi everyone! While I have been listening to the podcast for some time, I am relatively new to the forums here on Bigger Pockets. 

I had a question about the 10% down second home/vacation home loan I have often heard about on the podcasts. I currently rent for my primary residence, but would like to buy a short term rental as my first investment property. I know with primary residences, as little as 3.5% can be put down such as when you are house-hacking. 

My question is, would I still be able to qualify for a loan product like the 10% down vacation home loan if I occupy it for x number of days? Has anyone heard of a product like this where a vacation home can be purchased without already having a primary residence mortgage?

Thanks so much!