Is there someone you can report her to at the local housing office?

I realize that the difference between a few city blocks can make a difference, so local knowledge is welcome!

Talk to a lender that specializes in VA lending, preferably a local one.

Hey @Coty B LunnI manage my own for local properties but I use a property manager for long distance. 

I am local and could even view in person to get a real time experience if you like. 

go to local REIA events and just network, see what people are doing and find ways to learn.

They are the only local QI that I’m aware of. 

You may be able to find a local bank that would hold the note if you bought it outright, but anything under $50k and most times under $75k is hard to borrow against...it's just too low for a bank to make any money without triggering usury or State/Federal fee limits like they mentioned.

I hosted attorney panels in local REI clubs, and there never was any consensus.In our great state of Texas, your best option could be a Series LLC: one LLC that has individual compartments for each property.

There is a clear, easy to read book, probably available at your local library or bookstore, by that name, and a website and an active forum, (of the same name) to ask questions and get responses.