Yeah, I would just do non renewals after 11 or 12 years. 

The reason its a 6 month rate lock and extension is because it is a brand new built (started construction Jan) and bank still should not charge me 2 times for the rate lock, if they don't give me any waiver of atleast 2k, i guess i am going to cancel this deal even if i loose the $1792 (non-refundable = 1300 for initial rate lock and 492 appraisal) money with this bank. 

"Recession-durable RE investing for non-accredited investors" How do you defend against recessions, without sacrificing ambition? 

I Google'd up a list of about 10 and called each one for a quick chat about rates, their company, and whether they might specialize in particular types of investments (single/multi family, vacation, AirBnB, etc).

just looked into this property I believe you may be able to purchase this particular property for less than $400,000 I pullled some info on this place property it appears to be off market , are you working with an agent ? 

I'm in a career field where I am likely to have multiple NCR assignments, and have many friends and colleagues there, so I should have some advantages finding quality tenants (possibly myself if I catch another assignment in the area).Budget: I'd prefer to keep it to a no down payment VA loan, which caps me around $680K, but I could put some additional down if i find a particularly good deal.Area: I'm targeting a SFM home  or townhouse in Arlington, Alexandria, or Falls Church (short commute to Pentagon and FT Belvoir), which I can rent easily to upper end military families or local professionals.

One thing I didn't think of, we have a lot of apartment buildings in D areas, one area in particular with several hundred units. 

I suggest you avoid TD based on my recent experience with them for this particular purpose - I continue to use TD for lots of other banking. 

PenFed does 80% on non owner occupied HELOCs.

I second that it's more important to find a good CPA who understands real estate investing than someone in a particular state.