Perhaps they offer a favorable refinance option if the property has appreciated to the point where the current loan amount satisfies their non physician loan LTV underwriting.

1)Purchasing distressed property with seller financing with substitution of collateral clause.2) Wholesale property as-is, then move favorable seller financing to better quality property keeper at below market rate & favorable terms.

I don't know your specific market all that well but have you done some analysis on your ADR during the high season X your high season occupancy rate and determined whether taking lower priced slow season bookings vs letting your property stay vacant during the winter averages out in your favor?

Sounds like you're taking advantage of your favorable VA loan options smartly too.Good work - can't wait to hear about your next deal!

This strategy takes advantage of forced appreciation & favorable primary residence financing. 

When the current shifts in your favor, you will be miles ahead of those sitting on the shore waiting. 

@Nate Gilbert Thank you, I found that the most helpful posts when I was first learning were the ones that included details on the numbers so I am try to return the favor to the community. 

If that's not the monthly income, you are arriving at your cap rate by using incorrect expense ratios/expense figures and/or the property benefits from an extremely favorable tax abatement which skews the operating costs.

Judges have been mostly supporting the "lenders" side in court actions, but, occasionally, one will find in favor of the borrower. 

Most often, when this is discussed, it is suggested that using a line of credit - HELOC or otherwise - to receive your regular payroll deposits is the favored usage.