Since you mentioned retirement its always good to be prepared for the "What if factor" meaning "If" something should happen or come along unexpected.

I think it becomes hard because of the unknown variables of time toward money output and also keeping up with the laws as they are constantly changing.

Is your DSCR ratio greater than 1-meaning are you cash flowing (according to the lender's criteria of mortgage, property taxes and insurance (and HOA) if applicable).

If your current hard money lender won't lend more than 50% of the original purchase price, it means they don't see the value in the property either now or in the future.

But that does not mean it does not happen.And it is not illegal to sell a property that you win at auction to someone else.

Usually the Veteran is using the "Change of Life" circumstance which means they are moving out of state, closer to work, school, or moving into a bigger home for increased family, out of a multifamily into a SFR, it also applies to retirees or disabilty if moving out of a larger home and into a smaller one due to up keep or mibility.Most VA loans have an assumption clause as well.

You’ll receive notifications when there is conversation in the forums you follow or if a user mentions those keywords—so keep them updated often!

You’ll receive notifications when there is conversation in the forums you follow or if a user mentions those keywords—so keep them updated often!

If it's been listed for 100 days, do you think other investors in the area are keeping an eye on it?

The Theory is this:(Quoted from VA.org: Those who apply for a VA mortgage with another veteran (a VA “joint loan”) may be permitted extra units for business purposes, which means your multi-unit property could have more than four units.