Also, after 12 months, could I move out and repeat the process in another property with 3.5% down? 

I have 1 rental property that is a duplex as a house hack and the tenant that has been living there for about 3 months now is giving me some problems(not anything that cant be talked about and solved over conversation I just dont want it to get worse) and I want to go and sit down with her this upcoming week to have a formal meeting(not at the house) just to talk about some things, where could I do that.

However, the place I am looking for to stay with my family is north Austin suburb and none of the duplex has a cashflow even if I put 20% down.

Last year we were able to connect an investor of a coastal six plex with our personal credit union and due to strength of borrower and property, they provided a non-member with a 25% down mortgage with a 25 year amortization on a property the seller was requiring 'cash only' due to the presumed challenges of multi family financing. 

I want to show you how I was able to put 0% down on a house hack/live-in flip in the Boston metro area…not to toot my own horn, but because I believe that ANYONE can create a good deal when buying a house hack.Deal Backstory: Driving for Dollars, “Farming” and ReferralsFor the past few months, my wife and I have been putting in offers around the Boston metro area only to lose bidding wars with people paying $50k to $100k over asking.

A key component to cash flow will be loan terms..you could consider trying to incorporate a seller concession towards an interest rate buy down or costs to help improve cash on cash returns.

As with many big problems, it's easy to keep kicking the can down the road, but we needed to get this done.

So I guess it would really come down to this...What are arguments for both the VA side and the arguments for the JV side of the argument?

I love it down here, I love driving through the winding roads.

I don’t think you can narrow down Cincinnati by zip codes and more have to focus on the area as some zip codes can have a variety of areas.