Based on what I see we'll get more like 3-4% this year on single family in most areas.   

(And it seems there's at least some chance it doesn't pass at all, based on the opposition they're setting.)

He can discuss DSCR loans and is CT based.

So If I understand this I would be looking at base rate +4.125 then whatever additional rate the lender is adding on, minus points to buy the rate down? 

These type of loans have the least requirements and are usually approved based on the investment property alone and not the income of the borrower.The highest interest rates will be from a hard money lender.

I have just met someone who told me about the possibility of taking out a securities-based loan.

While estimates suggest higher returns (10-20%) than traditional rentals, additional costs and complexities come into play.

That may play a role in your plans.

@Caroline Knight I am a local lender based in Chicago and I have helped hundreds of Veterans with their VA loan and house hacking.

Maintain your curiosity, keep expanding your knowledge base, and look for networking and learning opportunities.