2 YR requirement to add RENT for DEBT/INCOME ratio

[Mia Edgar]

Hi,

I was wondering about my 'next step' in investing and this is my situation: currently military and moving to Groton, CT for 6-12 months for training. I have been pre-approved for up to $300,000 to purchase a multiplex. I already have a duplex out in San Diego that has a very large 'debt' through my VA loan which I already have half rented out and am going to rent out the other half when I move. Cash flowing very little due to the SoCal high rent/purchase price. My mortgage lender used 75% of the current lease (1/2 of the duplex) to factor this into my debt/income ratio since I don't have the second lease finalized yet with a new tenant.

My question is do I try to buy in Groton, CT with an FHA loan and continue house hacking factoring in property management and likely will move away or wait till I move again possibly to Bremerton, WA to purchase a multiplex there where I will be for atleast 3 years. I'm afraid buying in CT will hinder me for another 2-3 years to house hack again in my next location since banks like to see 2 years of landlording experience. I have a decent 'nest egg' that I would like to continue to house hack and use FHA loans as I go.

All thoughts welcome.

Thank you