Quorum Federal Credit Union has a great 90% LTV HELOC product that could get you another 10% out of the property. 

By the way if you have used all of your entitlement through the VA there is another zero down loan through Navy Federal that you can apply for as well that is similar to the VA loan called the home buyers choice loan and using companies like homes for heroes can wind up paying you just to buy the property.Hope this all made sense if you have any questions feel free to DM me.

And they could alleviate the biggest complaint on there, that homeowners will get stripped of equity, by exempting anyone who lives in the house for X number of the 7 years, just like you avoid capital gains tax at the federal level.

We then obtained a commissioning loan, which is a loan offered to new military officers by USAA and Navy Federal Credit Union.

Question:What happened to your mortgage / loan when you finally get the house, and how is it related to the federal funds effective rate? 

It depends on what specific area you are looking at but honestly Baltimore prices can be so low that it feels like it hasn't appreciated much in the last 3/5 years (with the exception of high end areas like Canton, Federal Hill, etc.) because so much of that market is rentals (cashflow vs appreciation). 

I would like to clarify that the Credit Union is Navy Federal.

@Austin Eilers - The FHA guidelines are below.FHA Loan RequirementsImportant FHA Guidelines for BorrowersThe FHA, or Federal Housing Administration, provides mortgage insurance on loans made by FHA-approved lenders.

And the gain would be taxed at one rate for profit and 25% federal for depreciation recapture.That's a chunk of tax. 

You will pay self-employment,  federal and state (all but 7) taxes on profit of roughly 35%.