HiI pulled out a permit of conversion garage to a master bedroom but the Owner changed his mind and he told me I prefer to build a ADU unit instead of a master bedroom. actually I have to change the current permit to a ADU permission.would you please guide me what is the process of this conversion?

IMHO maximize 401k (preferably roth) and anything after that save for down payment and leverage by investing in real estate.

Perhaps the HOA has a list of preferred/recommended contractors though.3) Usually HOA's dont care what you do inside your unit as long as it doesn't affect the structure.Given your cell phone issues, you probably should just hire a PMC to make sure you don't get blindsided by an emergency.

Personally I prefer reading and have a job that affords me hours at a time to do so, so I’ve bought BiggerPockets books and other business and real estate books and recommended books online.

Looking for financing options and would prefer someone local to my area to build a relationship with.

Thanks Have your HVAC pro install a thermostat sensor in one of the units (preferably upper unit for gas savings) and then put the thermostat control in the basement in a locked box. 

If not, it's a matter of personal preference whether you want to get out of your apartment, or capitalize on the rental cash flow.

I prefer one person to be the primary resident/ responsible party.

The seller said he prefers M-M because he can evict quickly if they do not pay.

First, I recommend that you leverage your VA loan and find a property that you can house hack, preferably a small residential multi-family.