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These loans are for purchasing primary residences that borrowers intend to live in full time. VA buyers will need to intend to occupy one of the property’s units. You wouldn’t be able to use a VA loan to purchase a multiunit solely as an investment property. Counting Rental Income. The second big issue is rental income.
However, even if you move into an apartment in your 47-unit building, the law will still consider it commercial property.
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Owner-occupied commercial loans Use your equity to remodel or expand your growing business. Your commercial property offers perks like tax breaks and stability from unexpected rent increases with a fixed-rate loan.
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You'll need a loan-to-value ratio no higher than 75 percent, and a steady net. In cases where the property is a commercial rental, the rents.
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