The VA-hack is an answer to young military members wanting to let their money work for them!

You can buy a house, and Build Wealth with no money out of pocket!

The VA-loan is a well-known benefit for veteran homebuyers. On its own, the VA-loan is a good program but if used correctly it can change your life!

Today we are going to talk about VA-Hack. This strategy can take you from tenant to Real Estate Investor with ZERO dollars in your bank account! I know half of you just tuned out “get rich with no money down, this is a scam!”

This isn't a get rich quick scheme, but it is a strategy to build wealth in Real Estate Investing with very low expenses!

What is a House-Hack

House-Hacking is the act of purchasing a duplex, triplex, or four-plex as your primary residence. This allows you to live in one unit and rent the other units out.

This is an ingenious method to purchase your first home because you will reap the benefits of home-ownership while your tenants pay the mortgage. You will enjoy smaller living expenses than you were paying for rent in that old apartment you were staying in. In some instances, you might even get paid to live in this home!

When you vacate the property and all units are rented you will receive monthly cash-flow until you sell the property. Of course, that is provided you ran the numbers correctly before purchase.

Reduced living expenses, home-ownership, and passive income when you move out! The only downside to this plan is that with a conventional mortgage it does still require 20% down in order to purchase the property. This is where the VA-hack comes into play!

An Affordable Way to House-hack (the VA-hack)

The VA-hack is the exact same process as the house-hack but without a 20% down payment.

A Veterans Affairs (VA) home loan can only be used for primary residences, but only requires ZERO% down payment! Any property with four units or less can be classified as a primary residence.

So, the VA-hack is when you purchase a duplex, triplex, or four-plex with only 0% of the purchase price out of pocket! You can even negotiate that the seller pays the closing costs and fees to mitigate your expenses.

To put this in perspective, a $200,000 duplex would cost you nothing (except for inspection and/or closing costs)! That is less than a car, and you can earn that money back in the first year with how much you're saving on rent.

>>>This is only one of the many benefits of military real estate investing

Example of The VA-hack Numbers

For this example, we will use real numbers from this duplex I own. I adjusted the numbers in order to show what it would look like if I had known how to use VA-hack at the time of purchase!

VA-hack a duplex like this one!

Entry numbers

Purchase: $81,000

Inspection Costs: $800

Down payment: $ZERO

Monthly numbers while living in it


Rent income: $515


Mortgage/taxes/insurance: $605

Utilities: $120


The total cost of living (plus repairs): $210.00

Housing allowance was: $850.00

I pocketed $640.00 every month!

Current monthly numbers (After moving out)


Rent income: $1030


Mortgage/taxes/insurance: $605

Property Manager: $74.50


Money left for repairs/me: $350.50

I keep $200 a month to budget for Repairs/Cap-Ex estimations.

This property makes me $150.50 every month now that I have moved out!

Using these numbers, you can see that I was able to recoup the cash I purchased this duplex within the first two months of collecting my left-over housing allowance!

Let that resonate with you real quick!

I moved out of my apartment and bought a duplex for less than $1,000. I got all of that money back in less than 3 months and I have been getting paid a little over $1,800 a year for keeping the duplex!

I'm sure you can appreciate how happy this eye-opening experience made me, and why I want to spread the word!

The Big Four!

These are the four ways that Real Estate helps build your wealth, find more about them here!


The amount of money in your pocket each month after all expenses have been paid is called cash-flow. I use this money to invest in my next real estate ventures and grow our portfolio exponentially.


Depreciation is a tax write-off used to cover costs associated with aging buildings and structures. This write-off and many others are great benefits of real estate investing. Every year I get better at tax-planning in order to increase our return and minimize the money paid in taxes.


Amortization is a debt payoff. The way mortgages are paid off is set up to pay more interest at the beginning and less interest towards the end of the loan. None of that matters though because your tenants are paying your mortgage.

Every month we build around $1000 in equity between our properties, and none of that equity is paid for by us!


I think of appreciation as a bonus in order to avoid planning for it in my purchases. There is never a guarantee that your real estate will appreciate in value. There are a lot of reasons for market fluctuations but we can make educated guesses.

I never buy property hoping for appreciation. I buy for cash-flow in order to protect me against a market crash, but appreciation is a welcome bonus!

The Cost of Taking Action

The cost of taking action and buying my first real estate deal is that I am always looking for better deals now! Taking action is the single best thing you can do for yourself in order to tackle any pursuit in life.

Let us connect you with a solid VA-lender and realtor!

I wish that I had taken action sooner to learn about investing, Real Estate, and the VA-hack!

Don't be afraid to start researching and investing, I promise, you will be pleasantly surprised!

Conclusion – The VA House Hack is Awesome!

You can use the VA-hack every time you move to a new duty station if you're smart about it. You would have to refinance from a VA loan to conventional before you move, but that will be easy!

The important thing is to understand that you're buying an investment, and it might not be the most beautiful home you ever own. It will be a force multiplier for your financial well being though!

I hope that you'll pick up a book or two in order to learn about how to hack your living situation! Swing by our website and take a look at some of our other posts about investing and personal development.

It is time we stop worrying about how little we get paid, in order to start learning how to turn it into wealth for the ages!

Read this article for a detailed overview of the VA loan!

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0 thoughts on “The VA-Hack: The Best Kept Secret for Military Homebuyers!”

  1. So I have a VA loan on my current house, I’ve been living in it for two years and plan on renting it out when I get stationed elsewhere in about a year. Do I need to get a new loan or IRRRL to rent it out because of the VA loan occupancy requirement? I’ve seen conflicting articles on this subject, and I’m debating whether I should pay the mortgage off to free up the VA loan or save for a bigger down payment on my next property (hopefully a fourplex I can house hack).

    1. Joseph,
      Great to hear from you! You do not need to refinance out of the VA loan. You have already met the intended purpose of the VA home-loan, which is to provide a primary residence for you and/or your family. After living there for a reasonable amount of time (generally considered to be one year), or receiving orders for relocation you can treat it as a regular loan and leave it in place.
      You will even be able to utilize the VA loan again, on a separate property, provided that your relocation is over 50 miles away, and again meets the primary residence requirement! I hope this answers your question, and I would love to hear your fourplex success story once your relocation is complete!

      1. Hi,
        I maybe wrong but, I believe Joseph was trying inquire about the same thing I am, here you mentioned the reuse of your VA loan… “You can use the VA-hack every time you move to a new duty station, if you’re smart about it. You would have to refinance from a VA loan to conventional before you move, but that will be easy!” Could you speak more on the process of using you VA loan multiple times.

        1. Sure thing, and I plan to post some video content in the near future on all of this. In essence, there is a cap to the total dollar amount of VA loan you can use. In most zip-codes, this is around $450k, but it can get as high as $721,500 in places like Hawaii. You can use the VA loan as many times as you want (as long as you meet the reuse guidelines) up to that dollar amount with $0 down. If you go over that dollar amount, every dollar over you owe 20% as a down payment…so for the sake of simplicity, if you live where there is a $450k cap, and buy a $500k home, you would need to pay $10k at closing (20% of the $50k over the cap).

          There are stipulations for reuse like the new home has to be over 50 miles from the current home. You must have either lived in the last VA-loan purchase for over (1) year or have been moved due to work relocation (I.E. military transfer). Etc. The other loophole here is that you can refinance into a conventional loan, and then your VA-loan cap resets, and/or you could use the VA loan in the same location. Hope this clarifies some of your questions Kevin!

          1. To follow up with a question to your response refinancing the VA loan into a conventional loan. What are the negatives or the terms that come out of refinancing into a conventional loan meaning like pay a fee or terms since its a VA loan being transferred into a conventional loan? Thank you and have a great day

          2. Not a fee perse, just the cost of refinancing (appraisal, title search, etc), and the fact that you will have to put a normal amount down on the property (or just have that amount in equity). Those are the worst things. Otherwise, it shouldn’t be much different at all. The interest rate may be a little different, but the higher amount of equity (lower loan amount) should more than balance that out.

  2. Huh, I never knew that one way to earn money is to get a home loan for a duplex, triplex, or four-plex and rent the other units. If I were to do this for a relative who retired from his military service, I would first find a company that offers VA loans. Finding one can help him or her raise enough money to retire comfortably. Thanks for the great read!

  3. My question is from a Veteran’s point of view. Is it possible to rent out my current property that I have a VA loan on after living there for one year and take out another VA loan in the same community (within 50 miles)? Ideally this is what I want to do so I don’t have to put a down payment on a new property or refinance my current property to a conventional type loan.

    1. It is possible depending on your entitlement and situation. The best thing to do is speak with a lender about your specific situation, but it should be doable!

  4. Another great benefit is the possible waiver of the VA Funding Fee if you are at least 10% service connected disable.

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