That's a gr-AI-t post. 

We needed to build more there but the cost to build has doubled and the return is t sufficient.

A VA loan is marketed to people who are broke and CAN"T put any money down because they have none to put down.  

I do outsource my Taxes, but I meant having a Real Estate Tax Accountant or a CPA who I chat with to help create me a long term strategy.

I would have advised you against an LLC, most likely, contingent on your attorney's legal protection concerns.This is assuming that by "we" you meant your spouse.

I don't care if 99 of 100 homes in the area have K&T, I would NOT buy it and leave it with K&T anywhere.

Maybe not meant to sound that way but it comes off like that to me.

Check out this table: https://www.municode.com/library/ca/oakland/codes/...This is what you're looking for: https://www.screencast.com/t/Xkyp3OZWkI Oakland, for a building with 3 units or more you need to have a lot sized at 7,500 sq ft.  --- From the zoning code it says, an RM-2 zoned lot can have "1 unit per 2,500 sf. of lot area"If you don't meet that lot size requirement you'll need to make a request for a variance, then post notice about the desired change in front of the building.

You should have 25% down payment + closing costs, + an oh Sh*t fund on top of that. 

Unless you're an idiot, and if you know you're one then stick to something really vanilla like VOO, SCHBB, QQQ, IYY and some T-Bills.