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@modesty This is partially misleading, the points is what your retirement compensation is based on (plus rank) but regardless of AD or Reserve/Guard you need 20 years. The reserves/guard retirement is just not able to be drawn on until 60 (minus any reduction in time based on...

@mablekath Most people also don't have the cash to offset any equity the sellers have in the house either but assuming loan sadly. Oddly VA loan assumptions have such long times they don't lend themselves to the very people they were designed for.