VA Home Loans to refinance your Duplex or 2, 3 or 4 Unit property in Washington

VA Home Loans to refinance your Duplex or 2, 3 or 4 Unit property in Washington

We offer VA Loans to refinance multi family homes (2-unit, 3-unit or 4 Unit, aka Duplex, Triplex, and Fourplex) in Washington State.   The maximum loan to value is 100%, and you must occupy one of the units.   There is no Mortgage Insurance on VA Loans, and the rates on VA Loans are very competitive compared to Conventional loans.   Plus – The VA Loan can go up to 100% on a 2-3 or 4 unit property.   Conventional loans are limited to 80%.

** We also offer VA Loans to purchase 2-3 or 4 unit homes – more info

You can use the rental income of the rented units to help qualify. This will determined by using existing tenants and their actual rent rolls, or a projected rent schedule from the VA Appraisal.   Our VA underwriters will allow you to use 75% of those rents towards your income for qualifying purposes.   The VA does require that the Veteran has experience managing rental properties or be able to show the financial qualifications that would lead to success as a landlord.   Call us to see if you qualify under the VA rules.

Call us if you are interested in refinancing your multi unit property, and we can help you with the numbers. You might be surprised what you would qualify for!   866-900-2342 toll free direct.


You can utilize your VA Home Loan Benefit for a VA Loan to ensure your 2-4 unit home is a true investment. Here are the 2018 VA Loan Limits for Washington Counties:

  • $667,000 – King, Pierce and Snohomish Counties
  • $483,000 – San Juan
  • $453,100 – Adams, Asotin, Benton, Chelan, Clallum, Clark, Columbia, Cowlitz, Douglas, Ferry, Franklin, Garfield, Grant, Grays Harbor, Island, Jefferson, Kitsap, Kittitas, Klickitat, Lewis, Lincoln, Mason, Okanogan, Pacific, Pend Oreille, Skagit, Skamania, Spokane, Stevens, Thurston, Wahkiakum, Walla Walla, Whatcom, Whitman, & Yakima counties.

VA Loans are available with zero down payment for VA 2, 3 or 4 plex purchase and you can refinance up to the respective county VA Loan Limit.   For VA Multi Unit loans over the county VA Loan Limits, we can utilize a down payment or equity in the property to satisfy the 25% VA Guarantee requirement, this basically amounts to 25% of the amount over the county loan limit (not counting the VA Funding Fee).Call the VA Loan Pros at VanDyk Mortgage today at 866-900-2342 to get started, or apply online.

2-unit, 3-unit, 4 unit, duplex, triplex, fourplex, twoplex, threeplex, quadplex, VA, VA Lender, VA Jumbo, VA Direct Lender, California, Washington, Seattle



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