I’m looking to owner occupy 4 unit multifamily using a VA loan.

If you can, check out VA loans/FHA Loans/ Other govt loans—see if you’re eligible - leverage!

here is the situation. i left a really good paying job to take care of my 81 year old parents because my dad is chronically ill and my mom is almost there. i wont go into too much detail, but my sis doesnt help them. ill leave it at that. we have a person who comes twice a week to help with cleaning and other household tasks. i carry the bulk of the weight cooking their meals, running errands, grocery shopping, picking up meds, and taking them to dr appointments. its a full time job. i get a small salary of $1000 a month from a care giver sub contractor for the VA. ive been paying my bills with what savings ive had, but only have a few months of funds left. i own a duplex. i have over 200k in equity. i live in texas and texas has weird laws about refi and heloc/heloans when the property is 4 units or less and owner occupied. i would rather not sell, but if thats my only option i will have to at some point.does anyone have any advice or possibly be able to point me to lenders who might be able to work with my situation?

To achieve a March 2025 multifamily property goal in Tampa, consider financing options like FHA or VA loans, local programs, and building a team.

FICO is 780+ and currently have 4 other investment properties including 2 STRs in the same market we are trying to close on in West Virginia.

My wife and are implementing this "Nomad Strategy" and are about to start looking for our 3rd property here in Colorado Springs.The major issue right now is interest rates, and the fact that if you only put down a 5% DP and borrow the other 95% at a 6.5% - 7% rate you will not even come close to covering your mortgage with the rent when you move out next year.So, we found a VA assumable loan (FHA loans are also assumable) with a 3% rate and a seller who had an overpriced listing because he was pricing to break-even after paying off his debt and closing costs for selling the home. 

The main house tenant did not like the STR part(after they already agreed to it), after the renewal we made both STRs and it's one of our best income producers(on a % basis).There's quite a few areas for this-- Virginia Beach, Garner, Zebulon, Pooler, Georgetown.

IMO, open carry is not a good idea (note: i'm in FL where open is not allowed, I'm from VA where it is) - my reasoning?

My name is Colleen, I am from Ohio and have been living in the Northern Virginia area for 8 years. 

My wife and I recently moved to Lynchburg, VA for work and will be living here for approximately a year and a half.