(Full disclosure: I have a small investment in the company through an angel syndicate -- it's the first time my interest in real estate has crossed over into my venture investing!)

The good things about owner financing is getting a property w/o going through all of the time/effort/expense of lenders and it won't count against the number of standard loans you get. 

We are counting the different nails being driven in our Economy until the next downturn.

This essentially cross collateralizes all your properties.3) You could 1031 up to a more expensive property.4) You could take a HELOC (Home Equity Line of Credit) and use those funds.

I would look for properties with comparable bed bath count, sq ft, home style, etc.  3 recently sold, 3 active, and 3 under contract all within the vicinity of the subject property. 

Hope our paths cross at a Bigger Pockets event soon! 

In simple language, when seeking approval for a loan, will only my income and credit score (which is excellent by the way) be verified or my household income count?

The 0% down loan limits do not scale up with unit count for VA loans, but lenders often have FHA and VA lumped together as "FHA/VA" in their heads.From VA.gov:VA's 2017 Loan Limits are the same as the Federal Housing Finance Agency's limits - 2017 Loan Limits (Effective January 1, 2017).

In that instance you may be asked to cross collateralize other assets and/or put up more of your own cash. 

I've worked with & for the public for years and have heard more threats of suits than I can count.