Historically an excellent place to start your mortgage search for 5-20+ unit properties is a local credit union.

You definitely have some options, if you do a more conventional second you can get very reasonable rates, maybe check in with you current bank or credit union? 

I am 29, single, employed, have ample savings, a full VA loan, and am pre approved for 550k, and looking within an hour of the dc metro area, ideally Harford county MD due to the good schools and military bases near by. 

Avoid strong rent-control cities like Oakland, Berkeley, San Leandro, Concord, Fremont, Union City, Martinez, Antioch, and others.  

Fort Walton Beach is very consistent due to its military bases and constant rental demand. 

Strong job and population growth, plus VSU and the military base are steady growing.

Renter may break contract early with $5,000 penalty and 30 days noticeAdditional context: Hawaii is a hard market for locals and first time homeowners to enter.Aloha Daisge, Given the current market conditions in Kapolei/Honolulu, IMHO, I don't think that those terms are attractive and will not be much of an incentive for locals or even Military PCSing into Oahu. 

I have a 5 unit in that area and use Union Bank up in Morrisville. 

I work for a union contractor who specializes in custom homes. 

That's one heck of a drive and I'm currently in the military with two little kids.