Primary home is a little easier but for FHA and other programs it requires 12 months title seasoning.There is something called delayed financing that if you purchase a piece of land and pay for the home "All Cash" without a mortgage you can get up to 80% LTC.

If you don't own a primary residence I'd start there.

If you plan to build your own primwry you absolutely want it to be your primary first not investment land first.

Is this for a primary purchase or build to rent/sell?

Hi everyone,I am looking to tap into some equity that we have in an investment property we own in California.It used to be our primary but is now a rental.

@Suzy FarmanHere’s what’s worked for me:Leverage Airbnb/VRBO: Many insurance companies use these platforms via third-party services.

Thanks to everything I’ve learned from the podcasts, books, and this community, my wife and I currently own:A triplex in MaineA single-family rental in San AntonioA single-family primary residence in Las Cruces, NM, which will become a rental when we move in a few monthsFor context, I’m an active-duty Army officer with about 12 years left until retirement, and my wife works for a university in Boston.

The first step I did to raise capital was refinance my primary residence. 

So you are saying your primary would be, DSCR?

We'll likely have to look for alternatives to our primary house since we won't be moving much anymore, but I like the idea of small multis and getting a lending who fully understands the VA is certainly good insight.Thanks,Fritz