You are paying a premium to take your money now, rather than let it accumulate over time as cash flow.  

My dilemma is this:Stuck between using normal VA, $280k pp @ 5.35% and using $15k of personal investments (which I am really tied to because it wasn't easy accumulating) to fund cosmetic upgrades (upgrading floor to LVP throughout, resurfacing + painting cabinets, replacing counter tops with quartz, exterior/interior paint, appliances, and a new front door).

@Dillon Cook exactly why I'm looking to diversify into real estate hopefully between my job and house hacking I can accumulate more crypto

Since you say you have a W-2 job, it is unlikely that you would be able to convince the IRS that you are actually in the real estate business until you do your first deal.At that point, you'll accumulate all of your start up expenses.  

I have been actively seeking a position within the field and area because many buildings offer salary and a free unit; my plan is to save rent and accumulate savings.  

You really need to accumulate as much ground truth as you can to make good decisions.Good Luck,R

They need to send in their accumulated payments as soon as possible.  

Even if your tenant moves out after year 3, you will have accumulated $3,960 to cover getting the house ready for the next tenant, lease up fee and a mortgage payment or 2.  

You u might have to spend a little more time on real estate business it is usually worth it.My wife has been saving money for about 25 years and has accumulated about 250K in the stock market because she believes in it but has not made any money off of it.  

So any cash flow that he has accumulated to date would be wiped out to replace said item.Am i correct?