I suggest talking to a local lender to figure out if they can work with your circumstances (I have a couple of lenders I can recommend).  

The 12 month requirement can be waived under several circumstances such as loss of job, moving to a new job, death in the family or family care being required of you or other unforeseen events that cause a hardship. 

I would need credit for creative financing of courseC I know a few hard money lenders that would do 100% under certain circumstances but is there anywhere or anyway I can start making capital to do phase one of my business and get pulled out of this sink hole then go to phase two which is actually build the business

I would imagine most people who have the money to pay $3,500 a month would have a house of their own (although there are potential circumstances...).

This is an issue because the VA requires you to move in 60 days after you close (certain circumstances allow for longer, such as retirement from the military, change of station, improvements on the home etc.).

Landlording is not for everyone and not for all circumstances.

See, you don't wanna spend your last penny might an urgency arise...I personally am both, proactive at times and reactive at other times all depending on the situational circumstances and the data I'm working with.Good luck, and know that you're the only person that knows what to do and when to do it; choose carefully and only after you weigh in everything.

Obviously we always want to work with ACTUALS rather than pro forma but this is one of those circumstances in which you really have to do your best with what you have. 

You ought yo gigs out how long the statute runs.It is possible that your QTA Could wake up a sleeping dog who bites.Therefore, until competent legal counsel reviews the facts and circumstances it will be difficult to assess the likelihood of shooting yourself in the foot. 

It really depends on all of the facts and circumstances of the offering.