From there my fiancee who is a veteran and shows a higher income than I do will take a VA loan to purchase a 2-4 plex. we don't have a place in mind yet for the multi unit but are planning on being prepared when the opportunity comes around.

Always double check, do your own due diligence and verification, and be prepared for the worst.

It is not an issue of IF it will end up in court, it is the act of preparing and trying to avoid for the worst case scenario. 

A Solo 401k provider will be able to prepare IRS-approved documents for your business that will allow you to participate in the plan and get all the features these plans offer. 

Worst case scenario, you will be very well prepared for when you do decide to buy. 

So try to prepare for anything that could happen.  

Understand your skills and be prepared to hire out what you aren't good at!

If you want, happy to share the list of questions I prepared.

Personally, I never use an option period because I'm prepared to close the deal if I don't assign my contract and I have built in protections in my contracts.  

Brian....in my short while of preparing to do REI by doing small multifamily apartment developments.