Don't find out your VA loan PCS'd you into negative cash flow — after closing.
A flat-fee, done-for-you risk review for VA loan buyers and 2-4 unit house-hackers. We check the post-PCS tax spike, rent coverage, and cash flow math before you sign — not after.
Flat fee · No subscriptions · PDF delivered directly to you
VA Home Underwriting Report
123 Sample Ct, Fayetteville, NC
Go / No-Go Signal
Proceed with rate-lock contingency
The VA loan gets you approved. It doesn't tell you if the deal still works after you leave.
PCS orders reset your tax bill
Convert an owner-occupied VA purchase to a rental after PCS and most counties reassess. The escrow line you budgeted for is rarely the one you actually pay.
Rent coverage is a guess, not a number
Zillow rent estimates don't account for your actual post-PCS PITI, vacancy, or the tax spike above. Buyers find out the math doesn't work after the ink is dry.
You're underwriting blind
Lenders qualify the loan. Nobody is independently checking whether the property still cash flows once you're stationed 1,200 miles away.
Four steps between you and a clear go / no-go decision.
Submit property + loan info
Tell us the address, your VA loan terms, and your PCS timeline through a short intake form. Takes about five minutes.
We underwrite independently
We pull local tax reassessment rules, comparable rents, and market data — then model your post-PCS numbers, not the pre-approval numbers.
Receive your Underwriting Report PDF
A clear, professional VA Home Underwriting Report covering tax spike exposure, rent coverage, market trends, and the risk factors that matter for your specific deal.
Decide with confidence
Go, no-go, or renegotiate — armed with an independent number instead of a lender's best-case projection.
Built by a service member who ran these numbers on his own house-hack first.
Garrison Risk Review is veteran-owned and built specifically around VA loan mechanics and post-PCS house-hacking — not a generic real estate calculator with a flag on it.
One flat fee. No subscriptions, no percentage of loan amount.
Recon
$125
2 properties
A couple properties, straightforward numbers, fast answer.
Sentry
$199
5 properties
House-hack buyers who want market context, not just math.
Know the number before you write the offer.
Submit your property details today and get an independent Risk Memorandum in as little as one hour.