I haven't went out to take a look in person just yet. 

My goal is to build up a strong portfolio of long term rental properties that will generate cash flow which I intend to use for reinvestment in the short to medium term, and to enhance my retirement cash flow in the long term.

Permanent debt commercial mortgages also generally will not play with an in-place DSCR below 1.25% (possible exception for very strong/experienced borrower, but such a person wouldn't be making a thread like this one, no offense. :).An interesting result of the 1.25% DSCR being more firm on the commercial side is that rent-to-price ratios and cashflows are better.

I married someone just like me.  3) I want a system that's as easy as possible for me to get receipts and information to the person doing our books.  4) our system MUST be secure. 

I had a rental property that was running well, and my personality simply led me to sell the property.

Personally I keep one account for each building and one account for security deposits.

Sounds like the opposite type of person you want in your asset.  

Then last option would be a "unsecured" personal loan where the bank offers up to $50K for example to pay off and consolidate debts.The 2nd and the personal loan will pay off debts and lower DTI and you might have enough left over for down payment or just use VA again.

Obviously 5 weeks of play time can be deemed personal use.

These loans almost always require a personal guarantee.