More than 4 units, if purchased via DSCR loan, require lower LTV due to the poor rent to value ratios.  

@Andy L.You could get an investment loan or private money loans against that other asset.

However, if you're looking to use a DSCR loan, and the property does not have any prior short term rental operating history, a DSCR lender is going to need to underwrite the loan using either the AirDNA figures or Rabbu figures, so those projections are important in the context of getting approved for a DSCR loan. 

I put $34k cash down, and got a 6% interest rate on the loan.

Funding for projects like this can come in the form of a bridge loan which is usually interest only and covers like 85-90% of your purchase price and 100% of construction.

You have property management, insurance, loans/mortgages from banks and lenders, you and tax person, and maybe someone like me who provides you with already vetted deals from trusted providers.Yu can get some mid-size deals that maybe pay $300/month or less financed deals that pay about $800/month.All this and a lot more details I am happy to discuss with you and your wife is related to your investing business.Independent of that should be where you want to live.

So, keep that in mind if you plan to sell the property as it will keep people from buying using loans.

Why don't you put nothing down with your VA loan? 

Do I get tax breaks as well getting a cash refinance loan? 

I heard something about taking out a loan against the value of a home appraisal and using that to purchase more properties?