Are you looking for conventional financing or commercial?

I have told many of my investor clients who want to buy conventional to hold off and wait a bit until market settles and see direction next year. 

If you don't currently have one, you would be able to use an FHA loan due to it being your primary residence and the insurance and finance rate is way cheaper than using a conventional loan at first. 

After that period is up, they can move out and use the property as a rental.Generally, people refinance to a conventional loan in order to get their VA credit back for purchase of their next primary home...rinse and repeat.

Owner-occupied conventional loans typically go as low as 5% and sometimes as low as 3% in special conditions. 

20% down conventional.

If conventional means would not be the way to go (I don't know if you have SSI or anything else + the rental income), but if that doesn't allow you to qualify, there are alternative loan programs that don't look at personal income at all. 

Keep in mind, when you go to get your the 2nd conventional owner occ loan, your "old" primary residence that you will turn into a rental the PITI mortage payment becomes a liability on your DTI calc and the rent payments from tenants becomes an asset.

We’ve saved up and were planning to pay down the loan and refinance it, likely into a primary residence conventional loan in December-January 2020 (6 months after VA loan refi) and then start renting it out in July 2021 when we move so that we could free up our VA loan benefit for a new primary residence at our new location.

Also, as mentioned above LLC’s are only eligible for commercial loans which are generally more expensive and worse terms than conforming conventional loans.Holding properties, when they are smaller single or multi family residential properties, is usually handled with insurance.