@Tracy ScottScour the HOA docs for wording involving occupancy such as, "not more than three (3) persons not related by blood or marriage living and cooking together as a single housekeeping unit."

OR, should I just stick to researching and educating myself and waiting until I can move in to a house of my own next year?

Really making sure that you stay on top of that person (contractor, you, architect) on the ball by following up with the city to get that permits done in a timely fashion. 

I recommend you attend leveragecon if you’re in the Miami area and educate yourself on these programs and the why’s and why nots borrowers are exploring these loan programs .

(I've written about the topic on the forums many times).I also have personal experience rehabbing properties with structural issues (unfortunately).I've bought and rehabbed properties in almost every condition imaginable, but I've never knowingly bought a property with significant structural issues--that's my one deal-breaker.

But if you have one person who wants high end and new all the time and another who is fine with status quo, it is going to lead to problems.

I understand this may not be enough data to go off of, however I am wondering is it the VA who needs more training or do I need to call the list personally to see if the results vary? 

Understanding and educating yourself on the advantage of different forms of financing is an excellent way to get started and feel more comfortable about the process.

I'm going to talk to customer support with both companies again, but thought I'd check on any thoughts from those who might have had personal experience with either company or changing programs in general.

This city hosts a vibrant, diverse community with a strong emphasis on family-friendly activities, educational opportunities, and cultural events that enrich its residents' lives.