Multifamily Investing for Veterans and Military Families
Zero down payment on 1 to 4 unit properties
Learn how to use your VA loan to buy up to 4 units, then scale into 5 to 50 unit multifamily properties with commercial financing.
Veterans Have a Clear Path Into Real Estate Wealth
Many veterans believe the VA loan is only for buying a single family home. The truth is that your VA benefits can help you build long term wealth through real estate. You can use your VA loan to buy 1 to 4 units with zero down. Once you own that first property and build equity and landlord history, you can qualify for commercial loans that allow you to buy larger multifamily buildings.
“We were overwhelmed trying to understand the VA loan process, especially during a PCS move. Rob took all the stress away. He walked us through every detail, helped us get approved fast, and even showed us how a small multifamily could be a long term wealth plan. We bought a triplex and the tenants cover most of the payment. We wish we had met him years ago.”
– Amanda and James H., Active Duty Army
-Matthews Family
I work with veterans and military families across the country to help them purchase single family homes, small multifamily properties, and larger commercial buildings. My mission is to give you every advantage possible so you can build generational wealth through real estate.
I provide:
• VA purchase and 1 to 4 unit guidance
• Multifamily underwriting
• Commercial lender connections
• 5 to 50 unit acquisition strategies
• Off market deal sourcing
• Step by step investing plans
• Personalized consultation based on your goals
Step One: Using Your VA Loan for 1 to 4 Units
Your VA loan allows you to purchase up to 4 units with no down payment. This is one of the most powerful advantages available to military members and veterans. You can live in one unit and rent out the others, allowing the property to pay for itself while you build equity and experience.
This is the starting point for most veteran investors.
Key Points:
• Zero down payment on 1 to 4 unit properties
• No mortgage insurance
• Ability to rent extra units
• Builds instant landlord experience
• Builds long term equity
Step Two: Build Equity and Landlord History
After owning your first VA financed property for 12 to 36 months, most veterans see a combination of rent increases, loan paydown, and natural appreciation. This creates usable equity and establishes you as a stable landlord, which commercial lenders view very favorably.
This stage is where you prepare to move into larger multifamily investments.
Key Points:
• Equity grows over time
• Rent roll history builds credibility
• Landlord experience improves loan approvals
• Lower risk profile due to stable VA income
Step Three: Buying 5 to 50 Unit Multifamily Properties
Once you have landlord history and equity from your VA home or small multifamily, you can qualify for commercial financing. Veterans often use DSCR loans, local bank loans, or portfolio loans to buy 5 to 50 unit properties. These buildings offer stronger cash flow and long term appreciation.
Financing Options Include:
• DSCR loans
• Small bank commercial loans
• Portfolio loans
• Partnerships
• Bridge loans for value add projects
Important:
VA loans cannot be used for properties with 5 or more units. These buildings require investor or commercial financing. Veterans qualify well because of stable income, rental history, and equity positions.
Why Veterans Have a Strong Advantage in Multifamily
Lenders consider veterans excellent candidates for commercial financing. Many have stable income sources including VA disability, pensions, government W2 employment, or long term career stability. When combined with equity from a VA financed home and a strong rental history, veterans often receive strong loan terms.
Advantages Include:
• Stable income sources
• High homeownership rates
• Equity from VA financed property
• Landlord history
• Lower default risk
• Discipline around finances
The Full Veteran Investment Pathway
Your Step by Step Path Into Multifamily Investing
Numbered Steps:
Use the VA loan to buy 1 to 4 units
Live in one unit and rent out the others
Build equity and landlord experience
Evaluate your DSCR and commercial options
Purchase a 5 to 20 unit building
Reinvest cash flow and appreciation
Scale into 20 to 50 unit properties over time
This is the blueprint used by thousands of veterans who build long term wealth through real estate.
Ready to Explore Multifamily Investing?
Whether you are buying your first home or stepping into your first commercial property, you deserve clear guidance, respect, and a trusted partner who understands both VA benefits and multifamily investing. I’m here to help you build long term wealth using the tools you’ve earned.