And explain to crazy sellers "No, your property is worth $X, not $Y, and these are the reasons why...". 

@Alexander PriceNo objections to your rib comments....

I plan to use a VA loan when I leave active duty service but since that isn't an option for you, find and listen to podcasts the guys do with guests who explain what they have done in the past.

I'd like at least a portion of it to build a getaway cabin.That's about my level of real estate experience.Goals-----Okay, here's the part where I explain why I'm here.

If you could explain it to me that would be great because I need help, education and tips

Hope this explains the process a bit without leaving too many questions unanswered. 

That sounds like two loans with more possible costs.If I understand your question & objectives, then I think you would just do a cash-out refinance.

I tried explaining that the property would be a primary residence for me (despite collecting rent from the other units), but he said it's not.Is this info accurate and up-to-date for tri's / quad's? 

It'll be easier for your agent (or you) to say "look at this beautifully remodeled kitchen" without having to explain which giant cave the fridge fits into and allows the potential buyers to visualize the complete room and buy into your vision for what the room is supposed to look like.  2. 

Explaining why new BFF Mary can't be there every night and sleep on the couch, sending notices about Mary parking on the street blocking other tenants.If the $110 is better spent in time than money then go for it.