That's unfortunate.

This post is very uplifting as I have been really down because of life’s circumstances.

Hi there, We plan to sell a house we just bought a year ago due to unforeseen circumstances. 

The only circumstances that my spouse can use my VA loan benefits is if I was disabled for a specific amount of time, killed in action or a POW. 

You should not cash out refi under any circumstances as @Nathan Gesner said.

If you do not own any REO, unfortunately I will not have a lender that will write a DSCR loan.

@Amit Desai Unfortunately, rental properties tend to have higher rates because the lender takes on more risk than someone's primary residence.

Usually the Veteran is using the "Change of Life" circumstance which means they are moving out of state, closer to work, school, or moving into a bigger home for increased family, out of a multifamily into a SFR, it also applies to retirees or disabilty if moving out of a larger home and into a smaller one due to up keep or mibility.Most VA loans have an assumption clause as well.

Unfortunately, we have had to exercise the provision ourselves a couple of times over the last year.

You cannot change tenants and unfortunately most will not treat your property like their own.