@James McGovern - my wife was in attendance and she and I own 20+ properties, a huge office building, have done multiple 1031 exchanges, Segregation studies, flips, private money, creative financing etc.  

Hey Chris,let's talk creative financing options for this 4plus year plan for your property.

There are ways around that if your insurance agent is creative enough.

Disclosure: I'm an investor, not a realtor, I work in the creative finance area but not in the state you are in so I can't help though I might know investors who can. 

What creative financing strategies have you already explored, and how successful were they in helping you close deals?

I think people are getting more creative thinking about separate living quarters (basements, split levels, etc.). 

Furthermore, entry level homes typically utilize less experienced real estate professionals and the new rules place emphasis on stronger creativity and negotiating skills. 

So will have to get a loan and be creative with the seller's carry to make it work then bump rents and I should get around a 2.6 DSCR but yes I could play with it a million ways.

I've worked with all sorts of "gurus" in the STR, Creative Financing space, MFR.

A lot of people don't even know some of the more creative properties you can buy with a VA loan (like mixed use or even a 6 unit apartment complex if you combine VA entitlement with another soldier).