CalculateRealEstateROI

Financing · Guide

VA Loans for Investors

Zero-down VA financing on owner-occupied — including 2–4 unit properties.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Key takeaways

  • 0% down.
  • Owner-occupied required.
  • 2–4 units allowed.
  • Funding fee 1.4–3.6%.
  • No PMI.

Core concepts

Eligibility

Active duty, veteran, surviving spouse.

Property

1–4 units owner-occupied.

Cost

Funding fee + appraisal.

Step-by-step framework

  1. 1Confirm eligibility.
  2. 2Pre-qual VA lender.
  3. 3Find 2–4 unit.
  4. 4Close.

Common mistakes to avoid

  • Treating as investment-only.

Frequently asked questions

Min down?

0%.

Max units?

4.

Owner-occupy?

Required.

PMI?

None.

Action checklist

  • ☐Eligibility verified.
  • ☐VA lender.
  • ☐2–4 unit target.
  • ☐Move-in plan.

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