Betty Boyce didn’t set out to become a real estate investor. In fact, just a few years ago, she was juggling National Guard responsibilities, family life, and full-time work. But after discovering Active Duty Passive Income (ADPI) and learning how to strategically use her VA loan benefits, Betty didn’t just buy homes—she built a real estate business generating over $8,500/month in passive income.
Here’s how she did it—and how you can, too.
Myth-Busting the VA Loan: Yes, You Can Use It More Than Once
One of the biggest myths surrounding VA loans? That you can only use it once, or only one home at a time.
“You can buy more than one house, primary residence, in the same town — on the same street — using your VA loan. You are not restricted. There is no law, there is nothing stopping you.” — Betty Boyce
Key Takeaway:
The VA loan can be reused, even in the same city. If your current home no longer fits your needs, you can purchase another primary residence using your remaining entitlement—no PCS orders required.
Understanding VA Loan Entitlement and Dual Usage
Betty and her husband, both military veterans, each have their own VA loan entitlement. That means they can:
- Use one spouse’s entitlement for one property
- Use the other spouse’s entitlement for another
- Combine partial entitlements to qualify for additional properties
This strategic use of entitlement helped them scale their portfolio efficiently—even while staying in the same neighborhood.
Creative Strategy: How ADUs and Midterm Rentals Unlocked Massive Cash Flow
Betty’s real breakthrough came when she discovered the power of Accessory Dwelling Units (ADUs) and midterm rentals (30+ day furnished stays for traveling professionals, PCS families, etc.).
“Our 400-square-foot one-bedroom ADUs rent for $2,100 a month… that’s nearly all cash flow.”
Midterm rentals strike a sweet spot between short-term and long-term rentals:
|
Rental Type
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Turnover
|
Cash Flow
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Regulation Risk
|
|
Short-Term (Airbnb)
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High
|
High
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High (many restrictions)
|
|
Long-Term (12-month lease)
|
Low
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Moderate
|
Low
|
|
Midterm (30+ days)
|
Moderate
|
High
|
Low
|
By self-managing these units (using tools like TurboTenant), Betty keeps expenses low while maintaining high tenant quality.
Real Numbers: $8,500+/Month with Just a Few Doors
Contrary to the myth that you need 20+ properties to reach financial freedom, Betty hit her family’s Military Financial Freedom Number (MFFN) of $7,200/month with just a handful of well-placed assets.
How?
- Dual entitlement strategy
- High-income ADUs
- Midterm rental model
- Self-management to reduce costs
- Staying within a walkable half-mile radius to streamline operations
Lessons for Military Investors
If you’re a service member or military spouse, here’s what Betty’s journey teaches:
- Educate Yourself – Most VA loan rules aren’t explained well by traditional lenders or agents.
- Think Strategically – The VA loan is not just for buying a home—it’s a wealth-building tool.
- Start with One Property – Use what you have, then scale with experience.
- Join a Community – Betty’s big lightbulb moment came after joining the ADPI Campus, where she got coaching, clarity, and connections.
Final Thoughts: You Have Permission to Think Bigger
“Everything you think you know about the VA loan? Throw it out the window and start from scratch.”
Whether you’re active duty, in the Guard or Reserves, or a veteran, the VA loan is one of the most powerful benefits you have—but only if you use it with intention.
Stop believing outdated myths. Start building the life you actually want.
Want to Learn What’s Possible for You?
➡️ Join ADPI Campus and gain access to coaching, weekly classes, and the most supportive military investing community online.
