That is an Investment Rental Portfolio loan.

Some Insurance companies offer coverage for those lines as an endorsement. 

Will they allow a loan assumption as the new deed owner?

How loan officiers can pay Referral Fee to realtors in a legal way, and NOT as kick back?

@Tracy ScottLike @Wale Lawal alluded to ... the cost to buy a house-hacking property here in Colorado (or anywhere) are really no different than the costs of buying any property, regardless of your use.Upfront-- You've got down payment and closing costs (1-3% of loan amount). -- Inspection (maybe $500) and appraisal ($500-$1,000 depending on market) -- Any furnishings, if you plan to furnish it.

Personal loan

As responsible Real Estate Investors,  we want to educate them on their options:  Mortgage relief programs, loan modifications, forbearance, short sale, etc. 

Collect a security deposit when the lease is signed and require payment of the first month's rent at move-in.

I have a VA loan option from when I was in the military I have not used and have the down payment I’d need for our next residence so I don’t necessarily need to sell in order to buy my next house.

You should look into finding a down payment assistance loan on your primary house.