I am a Navy Veteran and have used the VA/zero down/ on multifamily a couple of times here in the Bay Area. 

The VA loan is a nice benefit that you have earned.I am of zero help on your financing questions but wanted to be sure you knew the following some of which do affect financing (but not related to your questions):JADU, in every jurisdiction in CA that I am aware of, can only be rented if Owner Occupied property. 

Honesty truly is the best policy - even when in the short run it seems to hurt you. 

There is currently a legal challenge to this so it is possible that this policy will be invalidated sometime between now and when all government restrictions are removed.As for your question, the easiest answer is to take possession of the property vacant. 

It was not valuable enough to be covered by itself on a policy.6.

Good Morning,The question is,  what are the coverage limits on that policy.  

Does your risk tolerance allow for non credit tenants? 

That being said, what is the purpose of your LLC and would you feel more comfortable having an umbrella insurance policy to cover your liability instead? 

Whether or not you refi what you have is up to you and your risk tolerance. 

If your $875k home is actually listed for $875k, they won't even see the listing, so you get zero offers.