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Florida has more sinkholes than any other state, and the Tampa Bay area sits directly on the karst limestone geology that causes them. Before using your VA loan to buy in Wesley Chapel, Land O' Lakes, Lutz, Zephyrhills, or eastern Hillsborough County, you need to understand how sinkhole history affects VA appraisals, what the VA's Minimum Property Requirements say about unstable ground, how Florida sinkhole insurance adds to your monthly housing cost, and what questions to ask before making an offer.