Joint VA Loan to buy Commercial Property

Joint VA Loan to buy Commercial Property

Member since 2018 · 4 posts · 1 vote

Im really curious is it possible for four service members to put their Va loan together to purchase multi Family units ? from my understanding you can purchase up to a 4 unit with one VA loan if you can do a Joint VA loan with four service members what is the Maxium units for four people?

0Reply
37 views

7 Replies

Jump to latestLatest
  • Real Estate Broker · Coppell, TX · Member since 2011 · 5k+ posts · 4k+ votes
    8y

    I believe VA loans are for owner occupied residential property only.

    There may be a couple of exceptions, but you'll want to check with your lender.

  • Member since 2018 · 4 posts · 1 vote
    8y

    Thank you for your comment 

    VA Pamphlet 26-7, Revised

    Chapter 7-Loans Requiring Special Underwriting, Guaranty and Other Considerations

    If a property is to be owned by two or more eligible veterans, it may consist of four family units and one business unit, plus one additional unit for each veteran participating in the ownership.

    Thus, two veterans may purchase or construct residential property consisting of up to six family units (the basic four units plus one unit for each of the two veterans), and one business unit.

    If the property contains more than four family units plus one family unit for each veteran participating in the ownership and/or more than one business unit, the loan is not eligible for guaranty.

  • Member since 2018 · 4 posts · 1 vote
    8y

    So if I'm reading this correctly if everyone has full intitlement of their VA loan it would be a maximum of 8 units and one business unit?

  • Vandalia, MI · Member since 2018 · 569 posts · 264 votes
    8y

    That is for the normal VA Loan. There is a new program out that is for Veterans and their affiliates that would increase that number. If you have further questions about that please ask here in forum.

  • Member since 2018 · 4 posts · 1 vote
    8y

    What is the name of that program?

  • San Antonio, TX · Member since 2017 · 179 posts · 71 votes
    8y

    I’m extremely curious about this as well. Thanks for the info!

  • San Antonio, TX · Member since 2017 · 179 posts · 71 votes
    8y

    I’m extremely curious about this as well. Thanks for the info!

    @Michele B Do you have a link or any info on this new program? Thanks in advance.

Join the conversationCreate a free account to reply, vote on answers and follow this thread.