If you see at least a few zoned in the designations you mentioned above, that's potentially a good sign that you can get support from the local Alderman's office, and approval by the ZBA (zoning board of appeals), to rezone.

Is it possible for her to buy the house/land then we subdivide the property (property has an approved preliminary plat for subdivision into 2-3 separate lots, electrical and pluming lines have been put in place for future development).

Are there specific military programs or contacts I should look into for housing opportunities?

With a teaching and leadership backgroud, I have an interest to help others write their programs or review their presentations to address every learning style.

So, you say will I want to take some cash out using the 200k value but most programs will require you to wait some period of time from 3 months up to 12 months for conventional before you can use that 200k value to pull cash out.This seasoning does NOT apply to delayed financing as I mentioned in my post above.  

issued guidance saying that you can use LLCs if you get approved to do so.

And perhaps they realized that they couldn't staff permitting and enforcement for the program. 

Any feed back is welcome 

There are many communities within each of these areas that run or allow nightly rental programs. 

There are loan programs specifically for Virginians.https://www.virginiahousing.com/enGood luck and Happy 2025