You could also look into regional banks or credit unions with experience in real estate development for middle-ground options.If I were you, I’d spend some time shopping around for the best rate/terms.

Do you have a region in mind to buy in or are you just exploring the idea?

You might find a local credit union or community bank that will go to 95 -100%.At one point I called 2 different VA Regional Loan Centers regarding this section in the VA lenders handbook:Assumability - The second mortgage should not restrict theVeteran’s ability to sell the property any more thanthe VA first mortgage.

Ours is in a rural area with strong seasonality and lots of regional vacation travellers going out for a weekend or maybe a week. 

I'm looking at wine region property.  

If they are not aligned then simply keep looking till you find one that is.I would look up NARPM and start with them..Below are some questions I would think would be a good starting point for you to see who really treats their company like a business or a hobby.My business partner is a regional VP for NARPM and I am happy to help if you need anything please reach outQuestions to Ask prospective management companiesWhat are your average days on market for vacant homes?

The best banks that I have found based on your main concerns are smaller, regional, community sized banks.

(Using house hacking strategy)I would love to receive feedback regarding this region from more experienced investors.

Instead, try reaching out to regional insurance adjusters or property claims departments directly.

Lots of investment in the region as well so hopefully quality job growth will continue.