I'm not sure where you are getting your information on REL and how to determine it, but that is something that is standard to all loans, not just VA loans. The person you should be asking about this is your agent or attorney. REL determination is usually an issue when there are too many major things to update, such as the roof, furnace, hot water heater, etc. The average "life-span" of a house is 65 years, but updating these projects can give a home "new life."
Again, I would be asking your agent or attorney if there is a way to challenge it but that clause is in there to protect the bank. In most cases, the REL needs to be at least 30 years, in order to cover the lifespan of the loan.
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Bliss Properties of NY