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Many active duty service members at MacDill AFB and across Tampa Bay underestimate how much home they can afford with a VA loan because they only count their base pay. Flight pay, Aviation Career Incentive Pay, Basic Allowance for Subsistence, hazardous duty incentive pay, special duty assignment pay, and sea pay are all legitimate income sources a VA lender can use, if you know how to document them correctly. This guide explains how each type of military special pay is treated in VA loan underwriting, what the rules say about continuity, and what MacDill personnel specifically need to know.