also make sure to use a  relaistic  future  property  tax  figure and not the   present  property  tax amount  ...since this  sounds  like new  construiction - you will need to make sure  you are  using a  realistice  tax  figure  .....avoid FHA  as this  add   costs to the loan ( UFMIP ) and  the higher mtg ins ....maybe ask a relative / parent to  be a  non occupant  co borrower ?  

I think next year we will move out and turn the whole house into an airbnb rental, and do the owner occupant airbnb thing again at a new property.

For non-owner occupant you can do 2% and for owner occupant can do 3%.

As owner occupant of #1 you can probably get 90% LTV or more. 

Yes, they stay in contact hoping you will refer friends and family but having multiple transactions with an owner occupant is rare unless some life event requires a change in residence. 

That price point is basically a 3/2 1300-2200 square foot house in a great location (you should be getting around $450-$550 ADR / 70-80% occupancy) depending on amenities and location.That's Pinellas County Beaches areas -- that may buy more house in Hillsborough (boating communities and new construction) the ADR should be very similar; I can't speak to the other cities you're looking at.Do you have any specific questions we can help you with here?

Could you refinance your new build SF, take some cash out, and free up your owner occupancy VA credit and use the VA loan for a 0% down 2-4 unit?

If performing around 95% occupancy, the property should do about $300k in NOI.Could anyone help me understand the $2.5M cash offer? 

The landlord seeks I good faith to recover possession of the rental unit for use and occu-pancy by: a.

Just to give you a ballpark idea, today you'd be looking at about 3.25% with 0.60% MIP, putting the combined rate at about 3.85% (although you'd be paying the MIP if you were to go with FHA for the owner occupant financing).