It will allow you to make the best investment decisions, not necessarily the investment decisions that are necessary to cover the living expense portion of the W2 income you lost and this will be looked at favorably by lenders as well.

I also see a lot of good deals on 2-4 unit investment rentals priced in favor of the investor.All of these seem to have a good price to cash flow ratio when it comes to even long term rentals.

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.

It has not been favorable for both parties.

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.

If the owner financing terms are flexible, what would make this potential purchase more favorable on my end?

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.

Rates have not been very favorable through him lately, as you can imagine.

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

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!