I believe the best solution would be to classify the new purchase as investment, rather than primary, using Conventional financing, and request the lender to have the appraiser add on a 1007, wherein the appraiser provides an estimate for the long-term monthly rent.

My sister is looking to buy a tiny home in TX as her primary residence and do short term rentals on the weekend.

We’ve always wanted to live in FL and my goal is to live in the home as a primary residence as our family grows and then do STR in the future.

@Chirag Rathod A primary residence is eligible for an insured mortgage i.e. homebuyers make a down payment of less than 20% of the purchase price.

I know the VA loan requires us to live in the property as primary residence for at least one year. 

@Russell Brazil the lender I was working with said I'd have to do 20% as I already have a primary residence and driver's license in VA.

My primary residence is NJ and the investments will be out of state.

I have rentals in Baltimore and a primary in DC; the two areas are completely different beasts.

The VA loan is valuable for the purpose of 100%+ leverage and no PMI.only other scenario I can think of is thay you are trying to use the VA loan for another PRIMARY residence.

I want to make sure I understand the nuances correctly before making this suggestion to to my better half, so hopefully BP can give me good advice about this and make sure I'm thinking through the repercussions correctly.TL;DR My wife hates living in the South and wants out ASAP and our owned primary residence doesn't come anywhere remotely close to cashflow potential, so how do we leave before the 2 year mark while also avoiding a hefty inflation-induced capital gains tax bill?