I currently have about $112,000 worth of equity and also have my VA loan tied up in the property. 

I have another 5-10 years to retire and I do not want another loan.

Get with a local banker and have them walk you through the process of getting a loan from them. 

If you overpay and you're underwater on your loan immediately, it limits your options to sell or refinance should something come up.2.

.: @Marcus Auerbachjust to dig into 'cash flow' a little more... would you agree that if you bought a solid property in Milwaukee in a solid neighborhood, using a DSCR loan, you will be break even or negative?

If they know that you changed ownership, they may call the loan due.

I don't need a downpayment because I have yet to utilize my VA home loan, I want another townhouse or SFH in the San Fernando Valley because of where my job is currently located, just makes everything way more convenient for myself.

My question is that if a deal has a mortgage subject to an existiting loan and a private lender funds the purchase of the enry fee (wholesaler fee/agent fee/cash to seller/etc.)

Can definitely get no income no doc construction loans that would allow for it 

Not looking to refinance due to the great interest rates  4% on 30 year loans but would have not talked to any lenders that will do HELOC's yet.