I am looking at the guides and the recommended books, I am not trying to get some magical shortcuts.

IMO, stay away from the major national VA lenders, most of their LO's are not experts and don't understand investors and house hacking and setting you up for success.  

@Ali Boone  If my NNN stayed at 6% I probably wouldn't do it either.  

https://www.naahq.org/sites/default/files/naa-docu...

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Whereas each apartment would need its own kitchen, living room, etc, hotels typically don't build out a living room or kitchen for each room (with the exception of some extended stay hotels). 

if you are going to stay in the house for more then 3 years you can do a single pay upfront pmi it usually comes out cheaper

Typically quality concrete won't fail due to the use by one or two tenants who stay for a few years each. 

Stay invested in the US.

You have let him stay even though he has lease violations.