VA Loans Can Help Buyers House Hack

Eligible US borrowers can finance duplexes, triplexes, or fourplexes, live in one unit, and potentially buy with $0 down when full entitlement applies.
This loan is for a primary residence, so buyers typically must move in within 60 days, and the entire property must meet habitability standards.
For new purchases, lenders usually count only 75% of projected rent from the other units, and borrowers using that income often need 6 mo reserves.
Zero down does not mean zero cash; buyers still face funding fees, closing costs, insurance, taxes, and maintenance across the whole building.
Compared with conventional loans, this option has no monthly mortgage insurance and can be compelling for buyers ready for landlord duties and possible vacancies.