So they’ve got some VA who calls the lead first.

I am a licensed real estate broker and a business owner here in Asheville, although I grew up in Charlottesville, Virginia. 

It has been prepared and approved by local realtor association (NVAR to be specific: That's short for Northern Virginia Association of Realtors).

The VA will award me a monthly housing stipend of $1600.00 as long as I attend school full time.

@Jay Hinrichs, you may wanna tell USDA and the VA admin. about your feeling of "NO ONE deserves a 100% loan" as they haven't gotten the memo and have not stopped offering 100% loans, even thru melt down and are doing just fine right?  

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Don't forget this:http://www.biggerpockets.com/forums/20/topics/34503-va-vendee-financing-good-

The bank is not a national bank (or branch of one) and is a bank that my reliable friend referred me to (he is a real estate agent for Long and Foster in VA).

I had read that instead of selling the properties that are govt guaranteed (FHA, VA) they would instead rent those same properties out until the market turned around in the hopes of turning a profit later on.

Only salvation is that I have about $50k on my 401k, I have a doctor of Chripractic title to show potential earning ability, I have a VA loan that I can use, and a stable job as a Respiratory Therapist.Like many newbies, I get distracted by so many avenues in RE and cannot seem to focus on just one strategy.