That adds another complexity in this estimation and your future property evaluation)So next question is, "what do you do with this tax rates??". 

Scenario A (typical) - $500k duplex-$125k down-$375k mortgage at 4.6%Scenario B (modular financing) - $500k duplex-$125k down-$260k mortgage at 4.6%-$75k HELOC on primary residence-$40k loan against 401(k) (technically this would be $165k down, but you get the point)In scenario A, paying off the mortgage quickly makes zero improvement on cashflow until you pay it off completely, or refinance, and there's no point in that if your rate is locked in lower than current(or future) market rates.Scenario B could involve higher interest rates on the HELOC and the 401k loan, but you have multiple, simple, easy options for increasing your cashflow, and then you don't end up playing as much in the overpriced, volatile stock market.

Stock options, great retirement and good pay sounds like a very solid path for the future regardless of real estate investing.

I plan on investing in rental properties in the near future.

I mention this because I am trying to be realistic about my income needs for future RE goals. 

Hello Everyone, I'm trying to get started in RE investing to gain the freedom to make more deals in the future and help others gain the same freedom. 

But if you have already walked off ... maybe the data can be helpful to someone else in the future?

about future plans for the area/site. 

Depends on if you've used your VA benefit in the past, your reserve situation, credit  and if you don't plan to use the VA loan in the near future to purchase a home, it could make sense.FYI- There are  non- VA 95% LTV loan programs without PMI  

I ended up getting out bid but since this realtor I've been speaking with only deals with HUD homes I will know for the future.