You Already Used Your VA Loan — Here's How Much Buying Power You Still Have

Douglas Wilkerson

Published on: 29/10/2026

Your VA loan is not a one-time benefit. With remaining entitlement, you can buy a second home with $0 down while keeping your first — here is the exact formula, two worked Jacksonville examples, and how to restore full entitlement.

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Buy a Duplex, Triplex, or Fourplex With a VA Loan: Live in One Unit, Rent the Others — With $0 Down

Douglas Wilkerson

Published on: 27/10/2026

A VA loan can buy a duplex, triplex, or fourplex with $0 down if you live in one unit. Learn the 75% rental-income rule, the 6-month reserve test, and the real funding-fee math.

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VA Energy Efficient Mortgage Explained: How Veterans Can Roll Up to $6,000 of Home Upgrades Into Their VA Loan

Douglas Wilkerson

Published on: 18/10/2026

A VA Energy Efficient Mortgage lets eligible veterans roll up to $6,000 of energy upgrades — insulation, HVAC, windows, solar — into their VA purchase or refinance loan. The three tiers, eligible improvements, and timelines, explained.

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The VA Funding Fee: Who Pays $0, Who Finances It, and the Real Cost Math

Douglas Wilkerson

Published on: 16/10/2026

VA funding fee explained: the 2026 schedule (2.15% first use, 3.3% subsequent), who pays $0 in exemptions, real $350K cost math, financing mechanics, and the refund almost nobody claims.

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