I'd suggest trying a few different lenders in your market to find one better equipped to support you purchasing with a VA loan.

I purchased the property with an FHA loan at 5.25% rate but plan to refinance once rates drop (if they ever drop lol).

I know I can pull from the Roth IRA without the penalty for up to 10k for first time home purchase, but not sure if I really want to do that. 

@Jose LealBRRRR property investment involves purchase price, rehab, holding, and refinancing costs.

There is a decent chance that my next purchase is a commercial MF (5+ units) in an expensive and appreciating market (I have a couple I am considering) in a class B or above area that is likely to have a small amount of projected cash flow.

That should boost future loan demand — for both purchases and refinances.

Hi Shatrice, I always like to recommend Scoot Mortgage; I've worked with them on several client deals and have had great experiences. 

Looking to purchase in the suburbs though.

Even then, many clients end up finding themselves working with a broker since lenders can change their guidelines, pricing, and terms etc.. at any moments notice.

Today many if not most (50.1%+) rental properties have a lower cash flow on downpayment (new purchase) or equity (existing property) than a bank CD.