I have two rental properties through the VA loan being military.

Hi Ricky, Have you tried looking at a DSCR loan?

the insurance companies are not charities; they deserve to make reasonable profit for providing the insurance.  

You should have a chat with your accountant, if you had a loan on the property, you may need to buy a property for more than the cash you received to defer 100% of the gain.Best of luck

They are a reputable company. 

Unlike refinancing, which involves taking out a new loan, recasting keeps your existing loan terms—including your interest rate and loan duration—intact.

Pretty common, you can definitely use commission as down payment conventional loans and not have it count toward IPC as long as you're on the loan. 

I'm going to ask my insurance company.

I did go look at it, knew it was accessible by dirt road, and did a lot of research into who owned the easement.Won the auction, paid a tax title company to get clear title (right of redemption is 3 years). 

I was considering having a lawyer draw up a baseline loan doc and make tweaks to it on a per loan basis.