What Happens to Your VA Loan When You PCS and Keep the Property
Posted by Luke Martin on
Every year, service members PCSing out of Fort Carson face the same decision: sell the Colorado Springs house or keep it as a rental. The VA loan adds wrinkles to that decision that most people don't fully understand until they're already under the gun with orders in hand.
This post covers exactly what happens to your VA loan when you PCS and convert the property to a rental — your entitlement, your occupancy obligation, your BAH situation at the new duty station, and the most common mistakes people make in this scenario.
The Occupancy Requirement: What It Actually Says
VA loans require that the borrower intend to occupy the property as their primary residence. That's the rule at origination. What it does not say is that you must live there…
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