source:
  type: guide
  id: va-m26-7-ch12-t11
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 11 — Non-Residential
    Use
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 11 — Non-Residential
    Use.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch12-t11-full
  canonical_id: va-m26-7-ch12-t11-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 11 — Non-Residential
    Use
  type: do
  tags:
  - regulator-direct
  - va
  - va-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 11 — Non-Residential
      Use
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 824171a914866a59
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:71efd8bb39bb5596ad194f1b13e6f979cfa1afbf5566e897e26836fc1ab0429e
    paragraph_quote: '11. Non-Residential Use Change Date March 28, 2019 • This chapter
      has been revised in its entirety. a. Eligibility Considerations A property that
      has both a residential and business use may be eligible for loan guaranty if:
      • the property is primarily for residential use, • the non-residential use does
      not impair the residential character, • the property contains no more than one
      business unit, and • the property is legally permitted and conforms to current
      zoning, or is a legal, non-conforming use that is accepted by the local authority.
      b. No Value to Business or Commercial Property No value may be given to the
      business operations or commercial fixtures in the appraisal. VA Pamphlet 26-7,
      Revised Chapter 12: Minimum Property Requirements 12-17'
  judgment: false
