@Tu Cao this is a personal decision that should bring you peace of mind.

So what your telling me is you would not take the advice of some random stranger to make the biggest financial decision of your life? 

So, most likely going from a lower rate conventional to a higher rate DSCR you will be just making your DTI worse not better. 2) However, most loan officers do not seem to know how to calculate rental income which often results in incorrect DTI numbers.

You want an accountant who can help you strategize throughout the year and who can help you understand the implications of the financial decisions you are making throughout the year. 

That was helpful in decision making and saved time. 

I recommend you sit down and crunch the numbers with both scenarios,  and make an informed decision.

@Mason GriffinStarting with a duplex and using a VA loan is a wise decision for first-time homeowners since they often have cheaper interest rates and do not demand a down payment.

Trust you have made a decision by now and wish you all the best. 

my apprehension is on the vagueness of the program I get "building networks and relationships with directors and decision makers at senior care facilities" but what exactly are they providing?

Ultimately, the decision is entirely up to you.4.