We aren’t flipping the house, it will become our permanent residence, but we will refinance to pay back the $100K loan. 

At least in CA this important.These are the questions I ask and will answer:    Dates of residence?   

My question is by doing this and making my primary residence one of the units am I required to pay 20% or 5% down?

My question is by doing this and making my primary residence one of the units am I required to pay 20% or 5% down?

A few quick data points for you:1) In order to do a VA IRRRL (which is still a VA loan), you must have a minimum of 210 days from the date of the first payment on the first VA loan to the new note date (i.e. closing date of the IRRRL).2) A minimum of 6 months consecutive payments must be made on the original VA loan.I'd first look to see if you have any VA entitlement left following the 4-plex purchase... if not, perhaps consider a refinance to an FHA loan while it's still your primary residence (loan amount can be up to 97.75% of the value of the property if it's a rate/term refinance) in order to reuse your VA entitlement for another purchase down the road.

As far as timelines, I put down 5% on my residence and it didn’t take any longer than any other conventional loan.

I wasn't sure if there were other creative solutions as well.

So while trying to find solutions to that I am spending time to get to know as much as possible to better prepare myself for investing!

Affordable Contracting Solutions.

I am getting HELOCs on my primary residence and a rental property, that my husband and I own under our names.