1001 questions (and answers) concerning BDCP

[jerkybeef4]

Hey everyone, I got accepted and sworn in back in October for BDCP and have had no issues with my CAC until yesterday. I am prior service, so I already had a CAC. All of a sudden, I cannot get into anything on Quicklinks with the error message, "There was an error determining your Smart Card Identification. In order to log in with your Smart Card, please close your browser and all tabs associated with it to try again." I have already tried different browsers, deleting certs and redownloading them, and obviously closing/restarting computer. Not sure what to do now. Have not contacted my recruiter because it is the weekend. Im wondering if it's because my transition to active is being processed oddly and is causing issues with my CAC. Any help is appreciated, thank you!

 

[FormerRecruitingGuru]

Hey everyone, I got accepted and sworn in back in October for BDCP and have had no issues with my CAC until yesterday. I am prior service, so I already had a CAC. All of a sudden, I cannot get into anything on Quicklinks with the error message, "There was an error determining your Smart Card Identification. In order to log in with your Smart Card, please close your browser and all tabs associated with it to try again." I have already tried different browsers, deleting certs and redownloading them, and obviously closing/restarting computer. Not sure what to do now. Have not contacted my recruiter because it is the weekend. Im wondering if it's because my transition to active is being processed oddly and is causing issues with my CAC. Any help is appreciated, thank you!

Militarycac.com has a ton of troubleshooting and FAQ info.

What exactly do you need on quick links as a collegiate?

If the issues only took place today or this weekend, a lot of military websites and systems will go down on weekends for server maintenance and all. Try again tomorrow if that’s the case.

 

[jerkybeef4]

Militarycac.com has a ton of troubleshooting and FAQ info.

What exactly do you need on quick links as a collegiate?

If the issues only took place today or this weekend, a lot of military websites and systems will go down on weekends for server maintenance and all. Try again tomorrow if that’s the case.

MyPay and NSIPS. Currently resolving issues where my reserve units are still mustering me for stuff despite them knowing I’ve been gone for weeks. I tried to reach out to the people at militarycac.com. I’ll try again tomorrow thanks.

 

[FormerRecruitingGuru]

MyPay and NSIPS. Currently resolving issues where my reserve units are still mustering me for stuff despite them knowing I’ve been gone for weeks. I tried to reach out to the people at militarycac.com. I’ll try again tomorrow thanks.

My guess is that you haven’t been fully discharged from the Navy Reserve. Your former reserve unit should be initiating your discharge and most NRCs require proof like a DD Form 4 that show you actually enlisted / commissioned elsewhere.

While you’re at it, suggest also giving MNCC a ring to see if there’s anything they specifically see.

 

[JRDrezzoo]

Hey yall, i was wondering if those of us in BDCP are eligible to hypothetically utilize the va home loan to purchase a duplex to live in before shipping to OCS in hopes that I can rent it out with a property manager and generate cash flow while away in pcola

 

[FormerRecruitingGuru]

Hey yall, i was wondering if those of us in BDCP are eligible to hypothetically utilize the va home loan to purchase a duplex to live in before shipping to OCS in hopes that I can rent it out with a property manager and generate cash flow while away in pcola

Why not wait to do home ownership until you’re winged and at your first duty station?

 

[JRDrezzoo]

Why not wait to do home ownership until you’re winged and at your first duty station?

My thought is to buy conservatively now using the VA loan on a duplex that at least breaks even with a property manager. I’d live in one unit to meet occupancy, then rent both out once I leave for training. That way the property largely carries itself while I’m in the pipeline, I start building equity earlier, and I’m not relying purely on appreciation. If it makes sense later, I could refinance at my first duty station to free up VA entitlement, but I’m not counting on that as a requirement. I don't even know yet if i am entitled to a va home loan in BDCP though which I am hoping someone could help with, but another question i have if so is when would we recieve VA home loan eligibility once were in the program?

 

[CFLE9]

Hey yall, i was wondering if those of us in BDCP are eligible to hypothetically utilize the va home loan to purchase a duplex to live in before shipping to OCS in hopes that I can rent it out with a property manager and generate cash flow while away in pcola

You have to have been active duty for at least 90 days in order to qualify, and the house has to serve as your primary residence for at least 12 months. I don't know your graduation date, but if it's this year then you wouldn't qualify on the residency portion.

 

[JRDrezzoo]

You have to have been active duty for at least 90 days in order to qualify, and the house has to serve as your primary residence for at least 12 months. I don't know your graduation date, but if it's this year then you wouldn't qualify on the residency portion.

I ship june 2027 so technically i should be eligible if i find a property after my 90 days are up right?

 

[CFLE9]

I ship june 2027 so technically i should be eligible if i find a property after my 90 days are up right?

Yeah you should be eligible as long as you can find, purchase, and move in before June 2026. Just make sure you can afford to cover the mortgage and maintenance on the duplex in the event of not having renters for a bit, while still being able to afford everything when you're in pcola.

 

[JRDrezzoo]

Thanks man i appreciate it

 

[GoBoilers25]

Hey yall, i was wondering if those of us in BDCP are eligible to hypothetically utilize the va home loan to purchase a duplex to live in before shipping to OCS in hopes that I can rent it out with a property manager and generate cash flow while away in pcola

*Not financial advice

I would be extremely cautious tying up so much of your income into a home straight out of college. It certainly is possible and many people do it, but understand that life happens and you'll inevitably have a tenant who falls behind, need a new roof, have months with no tenants, etc. I obviously have no idea what your financial situation is or how much cash you have in reserves, but a home is going to eat a large portion of your income while you still need to get a place in Pensacola, not to mention handling it while you're active duty/deployed. There's also the chance that you get medically separated at OCS, and then you have the home but need a new paycheck to keep it. If you're going to buy a home, post OCS might be the better path. More of a "be sure you're able to handle this" kind of reply. Good luck.

 

[washedpilot]

I assume that we are gonna end up getting that Warrior Pay thing they announced today. Am I right?

 

[exNavyOffRec]

My thought is to buy conservatively now using the VA loan on a duplex that at least breaks even with a property manager. I’d live in one unit to meet occupancy, then rent both out once I leave for training. That way the property largely carries itself while I’m in the pipeline, I start building equity earlier, and I’m not relying purely on appreciation. If it makes sense later, I could refinance at my first duty station to free up VA entitlement, but I’m not counting on that as a requirement. I don't even know yet if i am entitled to a va home loan in BDCP though which I am hoping someone could help with, but another question i have if so is when would we recieve VA home loan eligibility once were in the program?

I would look at the various laws where you live in regards to getting rid of bad tenants, some states are very tenant friendly and if you are in one of those states you need to be prepared by having money set aside.

There are many people I know that have rental properties and have no issues at all.

I do know a few that have had to get rid of bad tenants, including a property manager who several times said it took 6-9 months to finally get people to leave even after a court order.