@Trevor Bingham, this link seems to make it clear that you would not be able to "get the rental with remaining VA credit":- http://www.veteranloancenter.com/handbook/investme...And please, do not even think about "having bills sent to the address", which would clearly be an attempt at mortgage fraud. 

Is there a reason you are attempting seller financing?

My Question: Can anyone give me a scenario or attempt to spell out for me how I would go about using private money for what I'm doing?

This is my first attempt at wholesaling.

Additional Notes: Holding costs for the SFH would be about $1900/mo ; holding cost for all units ~$4400ishPlanning to buy at about 390KUnit 1 rents: $1200 (1/1, 2nd fl duplex)Unit 2 rents: $1500  (2/1 House Hacked Unit, 1st fl duplex)Unit 3 rents: $2000. (3/2 sfh)As i said earlier, this will be my first deal and i'm attempting to be as prudent as possible. 

Since you've already taken title it won't work.An attempt to create mid line entities right now unless handled at arms length for retail would probably result in a step transaction. 

Things finally got so bad that I decided to list the property for sale in mid 2017 in an attempt to get what I could of my money back. 

Your safest option is to insist in the standard 12 month renewal and make sure they fully understand their legal/financial responsibilities if they break the lease.It may be standard for wealthy tenant's in A++ properties to attempt to negotiate their lease but that does not fly in my blue collar world.If they decide to leave you will be farther ahead even with the turn over costs.

So please, don't attempt to shun my practices unless it's unethical.

I keep hearing the market will be tipping soonish since the government plans on raising interest rates even higher in an attempt to even out the market.