I have 130k in equity in my primary residence at 4%.

Since these will be out of state, I definitely would need to account for a property manager and still obtain positive cash flow.

In my market, a multi-family will sell for less than a SFR of the same square footage, because multis are bought as investments and SFRs are bought as primary risidences, so I would double check that you are actually adding value by converting.

Since I'm a veteran, and I have some guarantee left, I will be able to get another VA loan for our new primary residence @ 3% down( if I'm wrong about this please let me know).

In the time I had a position in Prosper, I never saw them collect on any bad debts.

I own 3-SF properties in DC (1 primary, and 2 rentals), and I'm looking to expand into multi-families or SFR if it makes sense long-term.

A couple years ago, my parents were trying to sell their primary residence in Rockland County, NY and were having difficulty all summer long.  

There's plenty of threads about buying your OWN primary this low down FHA way.

In less then 2 years, my rental profolio consist of 5 rental properties, all with positive cash flow.I bought a house 10 years ago at a higher interest rate.

Trying to think of how I can position it.