If you do stay there then you can use conventional financing which gets you the same great rates as if it was your primary residence property BUT there are some rules about Second homes that you should always be aware of. 1) Second homes can only be single family residences AND 2) you can only have one second home loan at a time.Also you can use the income if needed to qualify but it is really more for the case of a refinance and not for a purchase because to use STR income for a second home the income has to be from the property you are refinancing, it has to be a fixed rate loan if you are using a FNMA (Fannie Mae/Freddie Mac) loan, it cannot be a PUD or Condo that restricts STR, and you have to show tax returns with the income.

Also, for condo's, you'll want to carefully read the covenants / restrictions.

Type 2 STRs are non-owner occupied, and are subject two restriction and/or approval based on the total number of current STRs on that particular block face.

You could get another VA loan and still keep the original. ( there are a few restrictions) Either way, the lender might question how long you’ve lived in the first (MF) before giving you a loan for the second as another “owner occupied”.

Here's one to add to your list of COVID issues: The COVID travel restrictions have caused it harder to go see properties.

She has a meetup there once in a while (or at least did before virus related restaurant restrictions.)

What the government fails to appreciate is that when they start imposing more taxes, the wealthy just fine-tune their structures.

Everything on the water is high dollar, interior land in some areas is still pretty cheap, but won't stay that way forever.The Duplex lots are fairly restricted.

Make sure to speak with the HOA to ensure that there are no restrictions on STR's (sometimes they will require that you use a certain management company), that there are no extra fees for self management (there are a few on Holiday Isle that require you to pay them a certain amount per booking if you aren't using their in-house management), and any other restrictions that may trip you up.A lot of people look at the price of an HOA fee and immediately decide against investing in a condo. 

The global economic committees that oversee all of this has also imposed fallback provisions that will cover older loans that didn't have specific verbiage too.