VA Multi-Unit (2-4) Loan
Owner-occupy a duplex to fourplex with no down payment.
How it works
VA finances 2-4 unit owner-occupied properties with $0 down. Live in one unit and rent the others — and projected rental income can sometimes help you qualify.
Key things to know
- $0 down payment with full entitlement, and no monthly mortgage insurance.
- Requires a Certificate of Eligibility (COE) and a primary-residence occupancy plan.
- A one-time funding fee applies (financed; waived for many disabled veterans).
- VA county limits only matter for partial entitlement — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA Multi-Unit (2-4) Loan?
- VA finances 2-4 unit owner-occupied properties with $0 down. Live in one unit and rent the others — and projected rental income can sometimes help you qualify.
- Do I need a down payment?
- No — with full entitlement the VA benefit allows $0 down with no monthly mortgage insurance.