I'm happy to help even though I'm not licensed in PA the underwriting guidelines are going to be basically the same from lender to lender. 

A Veterans Administration mortgage where a Veteran and non-Veteran co-borrower qualify for a mortgage together is called a joint VA loan.But like I said to Denis some lenders do not offer this options due to guide lines or investor overlays. 

Thank you @Avery Carl@Amit Desai I am a lender and the company I work for follows Fannie Mae guidelines with no overlays when it comes to this topic.  

Ultimately, while the guidelines allow it, no residential lender will allow more than 4 units, and no commercial lender will conduct a VA Loan, so it's never been done, and I don't see a way that it will be. 

Considering the fact that you already have a lot of equity locked into MFH that's essentially sitting at ~5 caps, I would think about diversifying a little bit and try to pick up some decent quality C SF housing that is a gamble on appreciation but can have some stronger cash flow.

If you insist on using a VA loan, it's written in VA guidelines in black/white that only folks re-upping can use their military income as qualifying income within 12 months of EAS. 

I used a lot of information from BP, and even went as far as reading the new CA ADU bill, speaking with the congressman associated with it, educating both my architect AND the city on the new guidelines. 

They are absolute cash cows, but you can't qualify with a second home loan since they are only for SFRs (Freddie guidelines in the link below)https://guide.freddiemac.com/app/guide/section/4201.15

According to our understanding of the VA home loan guidelines, a property can be up to 4 units, and mix use is allowed so long as the property will be the buyer’s primary residence and the the commercial use is subordinate to the residential use comprising no more than 25% of the property space.

Many borrowers that elect to utilize a first lien position mortgage as opposed to a HELOC try to reduce the pre payment penalty (to one of none) so that they can pay down the loan balance from the proceeds of their completed acquisition and refinance at a lower loan amount.Another alternative to DSCR cash out refinances could be fixed rate second lien position loans which can offer expanded guidelines and slightly more attractive loan rates.