Also, I can't tell anything by just this post but there are investment property loans that don't require 25% down. 

 I am applying for a DSCR loan and am now a renter myself.

Happy to chat further if you have questions.https://www.biggerpockets.com/blog/brrrr-loans-what-are-the-... 

Purchase price: $310,000 Cash invested: $350,000 This was a full rehab 6 unit multifamily building.Our firm did everything from locating and acquiring the project, to managing construction, and then finished up by leasing out all 6 units for a premium rent.We used a construction loan to secure the property and do the rehab. 12 month term which we were able to do construction and lease out all units before taking out the original loan with a permanent commercial loan.

I also hear that HML does not loan this type of contract.

Adjusted on a per-square-foot basis to account for more small homes being listed compared with 2019, the median price increased by 52.7% since May 2019.The number of homes for sale improves but is still low compared with pre-pandemic levelsThere were 35.2% more homes actively for sale on a typical day in May compared with the same time in 2023, marking the seventh consecutive month of annual inventory growth.For the first five months of this year, the inventory of homes actively for sale was at its highest level since 2020.

Mid-Term rents do cause a little complication...but that's what DSCR loans are for.   

are you pre-approved for a loan?  

So when you get a large expense like this, and because our health care system is….to put it politely, buggy, you need a loan, and these expenses become debt.

I'm a Navy Veteran and would like to use my VA loan to make my first home purchase sometime next year.