Now here is some advice many will disagree with me on but I firmly committed to this:  Most people that use a VA loan shouldn't.  

Then when you have enough money for the 3.5% down, buy a place that you can live in and rent out spaces to other people. 

Debt reductionLots of people only consider the first option. " I am not putting any money in to my pocket month over month."

Unfortunately BP search for people is less than desirable so had to make a post to try and find people.If you are in the area, love to connect as we have a lot of opportunities (portfolio of assets) that just came our way.

Many people don't buy because they are concerned about this and that.

Single family has more stabilized as there is not enough people who can afford homes.The purchaser is two very distinct types of groups who buy MF vs. single family and single family is bought to own and occupy, MF is bought to generate money.

You need a license if you're going to manage other people's properties.

Most people are going for 3+.

Some people will push to get the maximum, even if it means they may wind up with nothing. 

Typically these people are really forthcoming with info and can tell you.