Hi Rob,  If you are going to get disability, check with the local veteran's services. 

Exception01 Qualified retirement plan distributions(does not apply to IRAs) you receiveafter separation from service in orafter the year you reach age 55 (age50 for qualified public safetyemployees).02 Distributions made as part of a seriesof substantially equal periodicpayments (made at least annually) foryour life (or life expectancy) or thejoint lives (or joint life expectancies)of you and your designatedbeneficiary (if from an employer plan,payments must begin after separationfrom service).03 Distributions due to total andpermanent disability.04 Distributions due to death (does notapply to modified endowmentcontracts).05 Qualified retirement plan distributionsup to (1) the amount you paid forunreimbursed medical expensesduring the year minus (2) 7.5% ofyour adjusted gross income for theyear.06 Qualified retirement plan distributionsmade to an alternate payee under aqualified domestic relations order(does not apply to IRAs).07 IRA distributions made tounemployed individuals for healthinsurance premiums.08 IRA distributions made for highereducation expenses.09 IRA distributions made for purchaseof a first home, up to $10,000.10 Distributions due to an IRS levy onthe qualified retirement plan.11 Qualified distributions to reservistswhile serving on active duty for atleast 180 days.12 Other (see Other below).

As a disabled veteran funding fees are waived.

Johnny could do a VA cash out refi and go up to 100% LTV to use the 20% for a downpayment on another property although if "Johnny" is not 10% or more disabled through the VA he would have a 3% funding fee to do so.3.

My day job right now, is a High School teacher for student with Autism and severe Intellectual disabilities. 

Is he disabled? 

I have a disability and am not working but my spouse works.

But here is a list of Bexar County Tax Exemptions https://home.bexar.org/tax/PropertyTaxFAQs.htmlThey fall under general categories of Homestead, Disabled, and Senior Citizen.

. - More REGULATION IS COMINGDisability Payment benefits have doubled in the past 20 years ( 1 out of ~15 people (2 out of 10 in west virginia apparently) are on disability.  

27 out of 28 have paid and the one that has yet to pay is a lady on disability income that always pays on the fifth.