Proof of liquidity for the down payment is good enough.

I also like how I know these properties much better than our properties that I’ve never lived in, making them easier for me to maintain, and while we’re living there I can “tenant-proof” them. 

You have to explain it to the listing agent who doesn't get it, who then sends that to the seller, by telling them it's not that you have no money, but this is a right afforded to you based on your service to the country and you can also show proof of funds that you have money, but are choosing not to use it as a downpayment because you want to do reno with it.I would use your VA, that's what it's there for.

., MINUS Holding Fee paid.3) Utility Transfer: we require proof they've put all applicable utilities in their name.4) We do send them a copy of the lease to review.Once all above done, we send lease to sign electronically.

I’m continuing to put out plenty of offers on various properties and exploring different approaches to see what gains traction.For this one, I’m considering proposing a rent-to-own/deal finance contract with strict contingencies—something like requiring monthly photo proof of bank loan payment, with the understanding that failure to comply would result in a loss of equity of the seller.

As for DSCR loans, they do tend to close quickly, and most lenders will require proof of funds to close.

will i also have to furnish proof for those items complicating things?

You'll feel better yes, but success will most likely not be attained.Instead I entice you to start being smart, start thinking, start analytically dissecting theories and opinions and validate them with logic and proof.

I finally decided to close the doors mainly because the unit used was not available anymore, but also because the regulations got stricker and stricker over time.Now, if you want to use your 2-4 as an STR, you need to show proof that you are living in the unit you are renting by sharing a government-issued ID with that exact unit or your tax exemption form.If you have a building over 5 units, it's a bit easier but still challenging ( you can rent up to 25% of the units out for airbnb)...the few people I know that are successful are NOT the owners of the building, but more so the operator of the airbnb unit aka str arbitrage

There are some forms of income that do not require any receipt to use which are some of the above (full time job just offer letter or ownership of newly acquired rental property (lease agreement + security deposit/rent proof only).If you dont plan to go back to full doc then stay in the no income/state world and the premium for these products varies between 1-2.5% higher than full doc fannie/freddie/FHA/VA rates but pros and cons right?