VA loan to purchase either ADU or residential multi family

[Dario Delgado]

Hello, I am a service member with a VA loan (0% down payment) I live in tampa Florida (recently hot market and real estate has surged in price). I am trying to make the decision to purchase either a home with an ADU (additional dwelling unit / mother in law suite) or a residential (1-4 units) multi family building. I have to move into this and make it my primary residence for I believe 6 months to a year according to VA regulations. My wife and I would like to purchase a home with an ADU or a single family home and then add an ADU, but adding an ADU is expensive (100k-160k) if we got contractors to do it plus building and having contractors are expensive in this market and everything is taking a lot longer for contractors to get work done during this year…

We would either do one of the following: 

1. move into a single family home with an ADU attached or mother In law suite attached with the VA loan, and rent out the ADU.

2. Purchase a 1-4 unit residential multi family complex with the VA loan and live there for the time limit then move into an single family with an ADU in the future with a different loan (not 0% down) because we want our own property and to have children in the future.

Or a third potential option for anyone who recommends? 

Does anyone have some advice on these options? 
thanks so much! 
Merry Christmas! God Bless!