I would recommend using the 0 down as that's the main benefit when utilizing a VA loan.Thoughts on house hacking / living with friends?

Hi all - new here to the forums but have been following and utilizing BiggerPockets for years. 

It's very different and utilizing the income correctly pushes you away from working a real job.

We've owned the cabin for almost 9 years and have utilized a management company to run the every day business.

A primary residence is where your mail is delivered, where you have utility bills in your name mailed to that address, where your driver's license says you live, where your w-2 and IRS etc. are filed.A second home is a part time owner occupant and is usually 100 miles away and in a resort area.Four units in another state while you own single family where wife lives is not owner occupied. 

Apps such as AirDNA, Your Porter, Google Suite, Zapier, when utilized together can effectively handle the 75% leaving you to simply take up 25%. 

Tax returns, banking records to show income coming in and bills, rent, utilities going out.

Buy or inherit and hold all their lives while working the properties for income.I've seen teachers, firemen, software engineers and all sorts of people utilize both strategies successfully.

If she still needs help there are programs that help the renter pay for utilities and rent. you can offer that as an option.

And pay all of his own utilities.