YOu can use conventional financing or non VA financing options.The 25% equity requirement typically comes up when you're vacating a primary residence to buy another primary using FHA purchase.

My last 2 house hacks i negotiationed seller concessions to help with closing costs and interest rate buy Downs. 2023 4plex house hack was $11k in sellerconcessions and the 2024 4plex house hack was $15k I'm currently Under-contract on a non-owner occupied 4plex.

It's a simpler entry point and aligns well with serving protected classes like veterans, seniors, and single mothers—key to ensuring stability against HOA or city issues.Begin connecting with non-profits and agencies that help these groups find housing.

Is this a non-issue?

Internet has been down in many areas and cell service is spotty. 

In the future if they do, let them know about the non-payment of this tenant and that you are reluctant to take another as a result.Serve notice at the home-leave the work out of it.

But for non owner occupants, not only do you pay 50% more than the owner occupants, you also pay the higher rate on these items that are not included.  

I ended up doing conventional (non-FHA) and it worked out great.  

The part that seems to continuously get people (unfortunately, and for lack of better words) is the "no evictions, no bankruptcy, and no more than 6 non-medical collections." 

2023 Publication 527 (irs.gov)