Can you use VA home loans for a second home, income property, or vacation home?

Generally, the law states that a VA home loan must be used for a home you intend to occupy within 60 days of closing. However, in some cases, this occupation requirement may be fulfilled by your spouse or dependent alone (as long as it is intended to be your own primary residence eventually as well). You cannot use a VA home loan to buy a property that is solely intended as an investment. However, they can be used to purchase properties with up to four units, meaning that as long as one of these units is your primary residence the other three may be used as income properties.