I'm expecting VA disability in the next few months and trying to figure out to increase my income via real estate. I have enough wrong with me to be 100% p&t, ideally the VA sees it that way also.

Anyways, my plan once I do get rated and get my back pay is to get into multifamily (2-4) since that's what the VA/FHA allows. And to live in one unit for a year or so to satisfy the primary residence requirement. In a new 2 unit, I wouldn't be cash flowing while I live there. If I calculate the property with two renters I can make it work. However, to scale and grow, a bank would only take 75% of that income towards a new property. Being on a fixed income, that's a big problem. Or at least I don't see any way around that in order to purchase my next property. Help me understand?