Use your VA Home Loan Benefit to purchase 2, 3 or 4 Unit properties

Eligible Veterans and Active Duty Military can use your VA Home Loan Benefit to finance the purchase of a multi family home (2-unit, 3-unit or 4 Unit, aka Duplex, Triplex, and Fourplex). This can be a strong investment strategy, as you can live in one of the units and rent out the other units.  The VA 2-4 unit loan  requires Zero Down Payment up to the VA Loan Limits for your county, and that you live in and occupy one of the units to qualify for VA Financing.

You can use the rental income of the rented units to help qualify by offsetting the payment.  This will be determined either by using existing tenants and their actual rent rolls, or a projected rent schedule from the VA Appraisal. Our VA underwriters will allow you to use 75% of those rents towards your income for qualifying purposes. The VA does require that the Veteran has a high probability of success in managing the rental units, this can be prior experience managing rental properties or in select cases a well qualified buyer (liquid assets, good income, great credit profile, etc).

Call us if you are interested in purchasing a multi unit property using your VA Loan Benefit, and we can help you with the numbers. You might be surprised what you would qualify for! 866-900-2342 toll free direct.

You can also utilize VA Loans to Refinance your current 2, 3 or 4 unit property.

We do suggest that you utilize a good Realtor when searching for a multi-unit property, as they can help with the property search, cash flow projections, and VA property eligibility.

You can utilize your VA Home Loan Benefit for a VA Loan to make your next home a true investment.

Our minimum fico for VA and VA Jumbo Loans is 580 on loan amounts up to $2.0M.

We offer VA and VA Jumbo loans for 2, 3, and 4 unit homes up to $2.0M with zero down for qualified Veterans with Full Entitlement available. 

We also offer VA and VA Jumbo loans for 2, 3, and 4 unit homes up to $2.0M with an appropriate down for qualified Veterans with partial Entitlement available.   (

We have compiled the California VA Loan limits for 2022 by county below. 

CA County 2022 VA Loan Limit for 1-4 unit homes:

County                         VA Loan Limit (*)         VA Loan Limit (for qualified Veterans with Full Entitlement)                          

Alameda                     $970,800                        $2,000,000

Alpine                         $647,200                        $2,000,000

Amador                      $647,200                        $2,000,000

Butte                           $647,200                        $2,000,000

Calaveras                    $647,200                        $2,000,000

Colusa                         $647,200                        $2,000,000

Contra Costa              $970,800                        $2,000,000

Del Norte                   $647,200                        $2,000,000

El Dorado                   $675,050                        $2,000,000

Fresno                        $647,200                        $2,000,000

Glenn                          $647,200                        $2,000,000

Humboldt                  $647,200                        $2,000,000

Imperial                      $647,200                        $2,000,000

Inyo                            $647,200                        $2,000,000

Kern                            $647,200                        $2,000,000

Kings                           $647,200                        $2,000,000

Lake                            $647,200                        $2,000,000

Lassen                         $647,200                        $2,000,000

Los Angeles                $970,800                        $2,000,000

Madera                       $647,200                        $2,000,000

Marin                          $970,800                        $2,000,000

Mariposa                    $647,200                        $2,000,000

Mendocino                 $647,200                        $2,000,000

Merced                       $647,200                        $2,000,000

Modoc                         $647,200                        $2,000,000

Mono                          $647,200                        $2,000,000

Monterey                   $854,450                        $2,000,000

Napa                           $897,000                        $2,000,000

Nevada                       $647,200                        $2,000,000

Orange                        $970,800                        $2,000,000

Placer                          $675,050                        $2,000,000

Plumas                       $647,200                        $2,000,000

Riverside                    $647,200                        $2,000,000

Sacramento               $675,050                        $2,000,000

San Benito                  $970,800                        $2,000,000

San Bernardino         $647,200                        $2,000,000

San Diego                   $879,750                        $2,000,000

San Francisco             $970,800                        $2,000,000

San Joaquin                $647,200                        $2,000,000

San Luis Obispo         $805,000                        $2,000,000

San Mateo                  $970,800                        $2,000,000

Santa Barbara            $783,150                        $2,000,000

Santa Clara                $970,800                        $2,000,000

Santa Cruz                 $970,800                        $2,000,000

Shasta                         $647,200                        $2,000,000

Sierra                          $647,200                        $2,000,000

Siskiyou                      $647,200                        $2,000,000

Solano                         $647,200                        $2,000,000

Sonoma                      $764,750                        $2,000,000

Stanislaus                  $647,200                        $2,000,000

Sutter                         $647,200                        $2,000,000

Tehama                      $647,200                        $2,000,000

Trinity                         $647,200                        $2,000,000

Tulare                         $647,200                        $2,000,000

Tuolomne                   $647,200                        $2,000,000

Ventura                      $851,000                        $2,000,000

Yolo                            $675,050                        $2,000,000

Yuba                           $647,200                        $2,000,000

For a VA loan for a higher amount than your county loan limit, please call us.  We are highly experienced with VA Loans over the corresponding VA County Loan Limit for Veterans with limited Entitlement.  We offer VA loans over the county loan limits for Purchase, Refinance, and VA IRRRL Streamline Refinance (aka VA Streamline).

VA Loans up to $2m with no money down for qualified Veterans with full VA entitlement available.

*VA Loans up to $2m with down payment for qualified Veterans with a Partial charge against VA entitlement.  Call us to help calculate your required down payment - it is very individual to your situation. 

Call the VA Loan Pros at VanDyk Mortgage today at 866-900-2342 to get started, or apply online.