Using A VA Loan For An Investment Property

VA loans are incredible, but can you use them for an investment property.

The short is is... no, well, kinda.

You can't use a VA loan in the traditional sense of an "investment property". VA does not insure investment loans. However, if you understand the rules the VA puts in place, then you can legally purchase real estate that helps you gain equity, appreciation, and income.

Let's start off with the biggest rule about VA loans. They HAVE TO BE owner-occupied as a primary residence. This means you have to legally certify that you will reside in the property (usually for at least a year). And they will check... If you file your taxes or other legal documentation from another address other than your primary, you will get investigated for occupancy fraud. It's not even worth trying to get around this rule. Please don't be unethical, you will get caught.

So, how can you legally use your VA loan to set yourself up to build the best investment with your primary residence?

Usually, this is done 1 of 2 ways:
1. Is living in a location for a while, and then moving through a PCS or relocation to another state. You rent out your primary residence and use a VA loan in another location to buy your new primary residence
2. Is buying a multi-family (2-4 units). You live in one unit while you rent out the rest.

Hey, my name is Kyle and I'm a Mortgage Advisor serving Tennessee, Florida, and Ohio. My goal is to help you get a crystal-clear home loan that helps you win the house you love. If you're ready to create your home-buying plan, you can reach through any of the ways below:

https://winthehouseyoulove.com/

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