I qualify for a VA loan but my question centers on the requirements. 

My goal is to acquire a primary residence ideally before the end of 2024.

Husband and I are purchasing a property as our private residence that also has a small cottage on it we plan to STR. 

Assembly Bill 1771, also known as the California Housing Speculation Act, aims to change real estate tax policy to discourage investors from quickly reselling properties like single-family homes.Under the proposed bill, an additional 25% tax would be imposed on the gain from the sale of a qualified asset (including homes) within three years of the previous sale.The tax reduction is dependent on the number of years passed since the initial purchase of the qualified asset, ranging from a 20% reduction for sales occurring between 3.01 to 4 years to a 100% reduction for sales occurring more than seven years after the initial purchase.The revenues generated by this tax increase would be deposited into the Speculation Recapture Community Reinvestment Fund, which aims to support affordable housing, local governments, schools, and infrastructure projects.The bill is introduced by Assembly Member Ward, and the proposed tax changes would take effect from January 1, 2023.Assembly Member Ward argues that short-term investors in the market, including fix and flip investors, contribute to rising housing prices, limiting opportunities for Californians to purchase homes.While the bill may discourage short-term speculative transactions, it is worth noting that California's tax laws still provide certain advantages for investors, including unlimited tax write-offs and depreciation benefits.The bill is subject to legislative approval, and Assembly Member Ward will speak publicly about the bill at the San Diego County Administration Center on a specified date.Please note that this is a simplified summary of the bill and its potential impact on fix and flip investors.

Investment Info:Single-family residence buy & hold investment.

We’re considering a new primary residence that has a large agricultural building on it.What things do we need to consider for offering it as a storage?

If I buy a property for short term rental and do a cost segregation study to speed up depreciation, can I later decide to convert to a primary residence?

I found this but I can't understand what the other costs are https://www.narpm.org/members/resources/rent-vs-sell-calculator/SFH current value: $441,000Bought for (2020 new construction): $362,000 (primary residence till Nov 2023)Mortgage balance: $218,000Interest rate: 2.375% for 15-year loan (12 years left)Annual Tax, insurance and HOA: $7,000Current rent: $2950Appreciation: Reached $441K in March 2022 and has stagnated since.

I have tried going through the conventional route of HELOC and Home Equity Loan for my primary residence.

By and large, MTR residents are coming to work (or for relocation due to flood, fire or wind), and they approach finding housing with their analytical brain, not the emotional one.It's also not uncommon that the person tasked with finding accomodations for the MTR resident isn't going to be staying there at all.