You might find a local credit union or community bank that will go to 95 -100%.At one point I called 2 different VA Regional Loan Centers regarding this section in the VA lenders handbook:Assumability - The second mortgage should not restrict theVeteran’s ability to sell the property any more thanthe VA first mortgage.

Currently operating in 10 different markets across the Mid-south and Southeastern regions and would love to connect with you on what your goals are. 

I ask because most who write similar posts on BiggerPockets are unable and I am sorry but  "A unique blend of benefits that are favorable for R.E investors who are sole proprietors" sounds like something a  fear mongering asset protection company will tell you before upselling the expensive and unnecessary asset protection product.

I realize there are Regional differences.

This opportunity doesn’t occur frequently but it takes these attributes to take advantage when they do.3 - Blind luck - do enough deals, the unique opportunity tends to present itself.  

I’ve been exploring some great opportunities in Albany, GA and Columbus, GA— areas that offer strong potential for steady returns, especially with some unique strategies in mind.

Some of the best opportunities can be found in other regions, particularly in markets known for strong rental performance, stable property values, and tenant demand.

It offers unique advantages like equity building, tax benefits (e.g., deductions and depreciation), and an inflation hedge, as rental income and property values often rise with inflation.

While California has long been a real estate powerhouse, Florida offers a compelling alternative with its own unique set of advantages.Let's spark some conversation!

Many insurance policies also require re-development within two years, a near impossible timeline in a region with the coastal commission, perhaps only second to Manhattan in terms of permitting and red tape.