Airbnb is extremely segmented in *UNAUDITED* extremely-hyper-local market.You would receive different answer even from host that's investing on the same market.

Last year my accountant said he would only have to pay the capital gains on the portion of principle he received each year.

Speaking with a local real estate expert, particularly one who has knowledge with VA loans, can help you receive information that is specific to your case and the status of the market.

Additionally, a washer and dryer are provided for your convenience.ABOUT SOUTHLAKE:Southlake is known for its exemplary schools, luxurious homes, and well-maintained neighborhoods.

But in addition to my comment above: yes if the focus is more on a "buy and hold approach" where you are looking for cash flow and assuming you have gotten some super amazing loan product where you can actually obtain some each month...

Keep in mind that any traditional lender will have rules and limits for how much the seller can finance in addition to their own loan, so unfortunately it's not possible to combine the two for 100% financing or anything close.John

Additionally, my area has an abundance of 4-family properties in those in-between areas where a would-be house hacker can benefit from the four rental income streams (instead of just two if they bought a duplex) in order to help stay within the DTI requirements. 

In addition, I’m wishing to connect & build relationships with local investor friendly agents in these areas who invest themselves, help clients with investing opportunities & are tapped into off-market listings.

In addition, historically cash flow is not the profit source in San Diego.

This could be through finding ways to increase the rent on your existing properties, taking on additional work, or finding other income streams.Reducing your current debt levels can also improve your DTI ratio.Improve Your Credit Score.Look into various financial institutions, including community banks, credit unions, and online lenders, which may have different criteria or offer programs for investors.Since portfolio lenders retain their loans in their own portfolios rather than selling them on the secondary market, they are able to provide greater flexibility.