The VA home loan offers benefits like no down payment, competitive interest rates, and flexible credit requirements.

As a grown up I learned to take life as is, not live in a fantasy world and ,above all, value the TRUTH, no matter how bitter it is.P.S.

I have a job offer that will make slightly more than I currently make and will provide housing for my family so no expenses there.

Also, I had no credit score here in the US, so it was difficult to get a loan.

No claims, updated roofs,plumbing,electric.

My appraiser was very open for me to provide "support" for the value and so I got no pushback.

Of course the bank says "no problem", I start the process etc, then after credit pull and everything state "thing's have changed and you cannot own more than 3 investment properties" so now I'm at a standstill and they want to push me to commercial side, which in this case is requiring them to take my first and have to refi the balance and lose my rate and then tap a HELOC afterwards at commercial terms.

I have noticed that some landlords spew hateful, off-topic, unhelpful comments for no reason.  

There's no good strategy without an objective. 

Flash,  Going no fee is an even better idea, I need to look into it.