To qualify for a second home you must have the income to support the Second Home and your primary mortgage and other debt items....
Assuming that you qualify for the second home, here are the qualifications for a second home according to FNMA:
Must be located a reasonable distance away from the borrower's principal residence.
Must be occupied by the borrower for some portion of the year.
Is restricted to one-unit dwellings.
Must be suitable for year-round occupancy.
The borrower must have exclusive control over the property.
Must not be rental property or a timeshare arrangement.
Cannot be subject to any agreements that give a management firm control over the occupancy of the property.