VA Lender Handbook M26-7 Chapter 12 — Minimum Property Requirement

va-m26-7-ch12

VA Pamphlet 26-7 Chapter 12 establishes VA Minimum Property Requirements.

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source:
  type: regulation
  id: va-m26-7-ch12
  authority: VA Lender Handbook M26-7 Chapter 12 — Minimum Property Requirement
  description: |
    VA Pamphlet 26-7 Chapter 12 establishes VA Minimum Property Requirements.
obligations:
  - id: va-m26-7-ch12-single-real-estate-entity
    canonical_id: va-m26-7-ch12-single-real-estate-entity
    section: VA M26-7 Ch. 12, Topic 2 — Marketable Real Estate Entity
    description: |
      The property securing the VA loan must be a single, readily
      marketable, real estate entity. [UNDERWRITER] must ensure the
      property meets this MPR.
    type: do
    audit_question: For every VA loan, can [UNDERWRITER] evidence that the security property qualifies as a single, readily marketable, real estate entity (and, if comprising multiple parcels, that the appraisal is prepared subject to placing all parcels on one deed)?
    program_review: Does the program ensure each security property qualifies as a single, readily marketable real estate entity (and, where multiple parcels, that the appraisal is subject to placing all parcels on one deed)?
    file_review: Spot-check files; confirm the single-marketable-entity MPR (and the one-deed condition for multi-parcel properties).
    judgment: false
    feeds: []
    workflow_phase: origination
    owner_role: underwriter
    secondary_owner_role: closer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - va
      - m26-7
      - ch12
      - mpr
      - marketable-entity
      - promoted
    primary_source:
      tier: 1
      authority: VA Lender Handbook M26-7 Chapter 12 — Minimum Property Requirement
      source_class: va-handbook-m26-7
      source_url: https://benefits.va.gov/WARMS/M26_7.asp
      snapshot_id: 824171a914866a59
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:71efd8bb39bb5596ad194f1b13e6f979cfa1afbf5566e897e26836fc1ab0429e
      paragraph_quote: 'The property must be a single, readily marketable, real estate entity. '
      drafter_attestation: Copied verbatim from VA Handbook snapshot 824171a914866a59 (M26-7 Ch. 12, Topic 2 — Marketable real estate entity) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      effective_date: '2019-10-18'
      effective_date_source: va-change-date-preceding
    promoted_at: '2026-05-23T02:12:11+00:00'
    promoted_from: va-m26-7-ch12-roundb-v1.yaml
  - id: va-m26-7-ch12-flood-insurance-required-sfha
    canonical_id: va-m26-7-ch12-flood-insurance-required-sfha
    section: VA M26-7 Ch. 12, Topic on Flood — Flood Insurance Required in SFHA
    description: |
      Properties located in a FEMA Special Flood Hazard Area (SFHA) must
      be covered by a flood insurance policy. Properties located in an
      SFHA are not eligible if flood insurance is not available.
      [UNDERWRITER] must confirm coverage (and eligibility) before
      closing.
    type: do
    audit_question: For every VA loan secured by a property in a FEMA Special Flood Hazard Area, can [UNDERWRITER] evidence (i) confirmation that flood insurance is available in the locality and (ii) a flood insurance policy in force covering the security property prior to closing?
    program_review: Does the program account for the SFHA flood rule — flood insurance required and in force before closing for SFHA-located properties, and ineligibility where flood insurance is unavailable?
    file_review: Spot-check SFHA-located loans; confirm flood-insurance availability and a policy in force before closing.
    judgment: false
    feeds: []
    workflow_phase: closing
    owner_role: underwriter
    secondary_owner_role: closer
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - va
      - m26-7
      - ch12
      - flood-insurance
      - sfha
      - promoted
    primary_source:
      tier: 1
      authority: VA Lender Handbook M26-7 Chapter 12 — Minimum Property Requirement
      source_class: va-handbook-m26-7
      source_url: https://benefits.va.gov/WARMS/M26_7.asp
      snapshot_id: 824171a914866a59
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:71efd8bb39bb5596ad194f1b13e6f979cfa1afbf5566e897e26836fc1ab0429e
      paragraph_quote: Properties located in a FEMA Special Flood Hazard Area (SFHA) must be covered by a flood insurance policy.
      drafter_attestation: Copied verbatim from VA Handbook snapshot 824171a914866a59 (M26-7 Ch. 12 — SFHA flood insurance) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2019-10-18'
      effective_date_source: va-change-date-preceding
    audit_function: ''
    promoted_at: '2026-05-23T02:12:11+00:00'
    promoted_from: va-m26-7-ch12-roundb-v1.yaml
  - id: va-m26-7-ch12-property-safe-adequate-access
    canonical_id: va-m26-7-ch12-property-safe-adequate-access
    section: VA M26-7 Ch. 12 — Street Access
    description: |
      Each VA-loan security property must be provided with a safe and
      adequate pedestrian or vehicular access from a public or private
      street with an all-weather surface. [UNDERWRITER] must verify
      compliance with this MPR.
    type: do
    audit_question: For every VA loan, can [UNDERWRITER] evidence that the security property has safe and adequate pedestrian or vehicular access from a public or private street with an all-weather surface (and, for private roads, that the private-road requirements are met)?
    program_review: Does the program ensure each security property has safe and adequate pedestrian/vehicular access from a public or private street with an all-weather surface (with private-road requirements met)?
    file_review: Spot-check files; confirm the access MPR (and private-road requirements where applicable).
    judgment: false
    feeds: []
    workflow_phase: origination
    owner_role: underwriter
    secondary_owner_role: ''
    cadence: per_loan
    consequence: ''
    tags:
      - round-b
      - regulator-direct
      - va
      - m26-7
      - ch12
      - mpr
      - access
      - promoted
    primary_source:
      tier: 1
      authority: VA Lender Handbook M26-7 Chapter 12 — Minimum Property Requirement
      source_class: va-handbook-m26-7
      source_url: https://benefits.va.gov/WARMS/M26_7.asp
      snapshot_id: 824171a914866a59
      fetched_at: '2026-05-23T01:50:00Z'
      content_hash: sha256:71efd8bb39bb5596ad194f1b13e6f979cfa1afbf5566e897e26836fc1ab0429e
      paragraph_quote: Each property must be provided with a safe and adequate pedestrian or vehicular access from a public or private street with an all-weather surface.
      drafter_attestation: Copied verbatim from VA Handbook snapshot 824171a914866a59 (M26-7 Ch. 12 — Street access) at 2026-05-23. Source PDF retrieved via Wayback Machine.
      quote_healed: true
      effective_date: '2019-03-28'
      effective_date_source: va-change-date-preceding
    promoted_at: '2026-05-23T02:12:11+00:00'
    promoted_from: va-m26-7-ch12-roundb-v1.yaml
_promotion_history:
  - promoted_at: '2026-05-23T02:12:11+00:00'
    candidate_path: obligations\_remediation\_round_b_drafts\va-m26-7-ch12-roundb-v1.yaml
    candidates_promoted: 3
    candidates_skipped_existing: 0

Verbatim regulatory text (3)

Verbatim provisions from VA Lender Handbook M26-7 Chapter 12 — Minimum Property Requirement — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

VA M26-7 Ch. 12, Topic 2 — Marketable Real Estate Entity

Effective 2019-10-18 · VA Change Date for this topic

The property must be a single, readily marketable, real estate entity.

Source: VA Lender Handbook M26-7 Chapter 12 — Minimum Property Requirement · source URL · snapshot 824171a914866a59

VA M26-7 Ch. 12, Topic on Flood — Flood Insurance Required in SFHA

Effective 2019-10-18 · VA Change Date for this topic

Properties located in a FEMA Special Flood Hazard Area (SFHA) must be covered by a flood insurance policy.

Source: VA Lender Handbook M26-7 Chapter 12 — Minimum Property Requirement · source URL · snapshot 824171a914866a59

VA M26-7 Ch. 12 — Street Access

Effective 2019-03-28 · VA Change Date for this topic

Each property must be provided with a safe and adequate pedestrian or vehicular access from a public or private street with an all-weather surface.

Source: VA Lender Handbook M26-7 Chapter 12 — Minimum Property Requirement · source URL · snapshot 824171a914866a59

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Operationalizing VA Lender Handbook M26-7 Chapter 12 — Minimum Property Requirement

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

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Source of record: https://claudeforcompliance.com/regs/va-m26-7-ch12/ · register va-m26-7-ch12 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.