Sounds like the implied task is for me to understand the intricacies of the VA loan because I may very well end up educating my lender.

There are options to go to 90% CLTV - combined loan to value however I have yet to see what was mentioned at 80/15/5 which implies 95% CLTV with only 5% down especially on a duplex.The problem is that at 90% CLTV you will need 10% down which is all of what you mentioned as savings so you'll need seller concessions, lender rebate, or a gift to pay for closing costs and other due diligence costs.

Real Estate Trainers, I have no affiliation other than I did their broker crash years ago and knew the answer to virtually every question on the test.

To imply that some method will or is even likely to yield the same or similar results is just hype, marketing and deceiving to instill hope of making a fortune.

"Money you make" implies profit.  

@Mike M I don't think he implied you would run the coffee shop.

I would not pay a red cent.No legal advice express or implied.

And if you give them a key, what does that imply as far as "possession" of the unit?

I implied that his License might be in jeopardy.

. §706.10(7)’s implied warranty.