I'm always open to help or give advice concerning construction in an investment style atmosphere.

If you wanted to keep your current VA loan (which probably has a pretty good rate) and get a $30k HELOC with a $20k draw that would be the best (and only) method of doing something close to what you described. 

The bigger concern is that rents can be much lower with one beds.We get 500 for one beds, and 650 for 2 bedsGino

@Benjamin Cowles I think his disability is the least of my concerns.

Still working on the plea win-win method.

My concern with the place is in the master br there is about a foot long mold spot on the ceiling and it feels like the floor in the second br is unlevel. 

I'm assuming your concern is about space?

But if she is late for more than 30 days, you need to be concerned. 

I've spent a lot of time on the forums learning and don't really have much to contribute, but I can say in that time, I've identified the small group of folks that I really value perspective from and the larger group of people that are selling something, argue to death that "their method" is the absolute best or whatever. 

We eliminated both of those for multiple reasons.The one that I have access/easement concerns is interesting as it is surrounded by $1M, gated properties.