This sounds like history repeating itself   http://www.baltimoremagazine.net/2007/5/1/100-year...

When I worked at the collection agency, all calls were recorded and were frequently used during court.  

The research I have done on the web has mostly turned up generic articles that just tend to repeat themselves a lot... but I would like to connect with someone who has dealt with VA loans, and can help me really understand the ups and downs, as well as how best to utilize the product. 

Unless you are dealing with unprofessional/unethical appraisers.Best wishes.I don't think it's evidence of unethical behavior at all that purchase appraisals hit the contract price way more frequently than refinance appraisals hit the owner's estimated value.On a purchase appraisal, you've got a giant data point that is lacking on a refinance appraisal: We know for a fact that someone is willing to pay that price, because we've got a fully ratified contract right in front of us telling us that they will!

That is not to say that you can't make a good return with it, just beware of the potential of more frequent turnover and more involved suite preps after each tenant. 

Rinse, Repeat until I feel like I'm ready to scale that business and do commercial multifamily.

Act quickly, fix the problem and do not repeat this error.

My strategy of choice is BRRRR (Buy, Rehab, Rent, Refinance, Repeat) and I'm interested in small multi-family (upto 4) units that cashflow well. 

Buy, Rehab, Rent, Refinance, & Repeat. ( BRRRR ) 1.Finances’ (CASH)The reason for doing this is the ability to be able to use the same funds, repeatedly.

You'll frequently see all cash offers with very few contingencies here.