@Brandon Stelling As a military veteran with 100% VA disability benefits, you can leverage VA home loans to purchase properties with no down payment, no PMI, and favorable terms, including multi-family properties for house hacking. 

The plan is to transition into a new home in 2025 or 2026 while converting this property into a long-term rental.

This often leads to confusion because the term "trade or business" is mentioned, leading some to mistakenly believe that the entire business can be exchanged.

Mean while i would be building equity, and if rates do lower, or when the term ends, could refi for better rates and then maybe cash flow.My questions are:Is this too naively optimistic?

The reason I recommend this is because as a short-term solution incase you cannot go full DSCR right out of the gate.

- Are you more interested in cashflow or longer term appreciation?

Depending on the number of jobs and number of new development going on in the area it may just be simple supply and demand.

New primary mortgage will be about $2500 a month, old house that I will rent out long term is $1000 a month.

Long term hold.

Purchase price: $160,000 Cash invested: $35,000 Another 1% single family deal in a transitional area creating long term wealth