I've listed and sold vacation/2nd home f/cs. By the time they were assigned to me, they were vacant (and sometimes stripped). I just got one that is "semi-occupied" by the borrower whose primary residence is 5hrs away.
I made contact after posting the property with contact info and met the borrower at the property. Borrower is a broker from out of area. He is unsure when he can get his stuff out. He claims his primary residence suffered damage recently (no way to confirm that), and he doesn't know when he'll be out of the vacation home. Although I'll follow my AM's direction, I was curious whether a vacation home gets the same treatment as a primary residence, i.e., CFK, etc.