VA Mortgage Program
VA mortgage program allowing for rental income to offset mortgage debt on investment properties using 75% of lease amounts. The program supports a maximum DTI of 65% with AUS approval or 60% for manual underwrites.
Underwriting at a glance
- Minimum FICO
- -
- Max LTV (purchase / rate-term)
- -
- Max LTV (cash-out)
- -
- Loan amount
- -
- Documentation
- -
- States
- most states
Highlights
- •Rental income can offset mortgage debt on rental properties
- •Uses 75% of lease amount to offset PITI
- •Maximum DTI of 65% with AUS approval
- •Maximum DTI of 60% for manual underwrites
Want to see if you qualify?
Tell us about your scenario - we'll come back with current pricing and exact guidelines.
Program guidelines and rates can change at any time without notice. Last confirmed 5/9/2026. Not a commitment to lend.
Today's mortgage rates
Conventional
6.125%
6.164% APR
FHA
5.500%
5.531% APR
VA
5.500%
5.530% APR
Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.