VA Loan
A zero-down mortgage available to qualifying veterans and active-duty service members for primary residences. Not for investment property.
Why it matters on a DSCR loan
Veteran investors sometimes hope to use VA benefits for a rental purchase, but the program is occupancy-restricted — a pure investment property needs investor financing like DSCR instead. A common hybrid strategy is house-hacking: buy a 2-4 unit property with a VA loan, live in one unit, then later move out and refinance into a DSCR loan to restore VA entitlement for the next primary purchase. Keep the occupancy rules honest; misrepresenting occupancy is fraud, not a loophole.
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DSCR Calculator Get a QuoteReviewed by Arin Baghermian, Broker Owner — NMLS #1220456 · Last reviewed July 2, 2026 · DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548).