You might find a local credit union or community bank that will go to 95 -100%.At one point I called 2 different VA Regional Loan Centers regarding this section in the VA lenders handbook:Assumability - The second mortgage should not restrict theVeteran’s ability to sell the property any more thanthe VA first mortgage.

There may be restrictions on when you can exit and how you exit.

Some HMLs have lending restrictions by state.

They have a first post restriction, but they have VAs monitoring that before it gets to moderators first and they just let everything through.

If you go with commercial financing you can put them in LLC names and you won't have those restrictions - but will have crappier financing terms - like 5 year locks instead of 30 year.)We bought 12 houses in 2018, 10 in 2019, and 9 in 2020 before prices went skyrocketing.

after deciding to invest out of state you have no restrictions on where to invest. 

These 2 platforms don't focus on MTR but vacation rentals so using Furnished Finder is a better way to get those longer term folks.I have always been a bit concerned about the area's penchant for restrictions.

They tell you right at the start in which states you can apply this freely, which states have certain restrictions and which states you cannot do this without a license. 

If this sounds like your perfect playground, go for it :) There are STR restrictions in these areas, so make sure you know what you're buying before you do. 2.

This allows investors to maximize their returns without having to directly face the more restrictive regulations.What do you think about this alternative?