Financial & Educational Disclaimer

MilHousing Playbook™ is not, and does not provide:

• Financial advice
• Legal advice
• Tax advice
• Investment advice
• A fiduciary relationship of any kind

We are not a registered investment advisor, broker-dealer, mortgage broker, lender, CPA, or law firm.

All scenario outputs, affordability ranges, buy-vs-rent comparisons, long-term projections, and recommendations are educational estimates generated using:

• The information you provide (income, debts, savings, timeline, preferences).
• Publicly available data such as 2026 BAH, base pay, and BAS tables.
• Reasonable market assumptions for taxes, insurance, appreciation, and rent growth.

These estimates are intended to help military families compare housing scenarios — not to dictate a financial decision.

Real-world conditions evolve constantly. The following can change at any time and may differ significantly from the values shown in your scenarios:

• Mortgage interest rates and lender qualification criteria.
• Local housing prices, inventory, and competition.
• BAH rates and other military allowances.
• Property taxes, homeowners insurance, and HOA fees.
• Rental market rates, vacancy, and maintenance costs.
• Home appreciation and long-term equity outcomes.

Actual outcomes may differ — sometimes substantially — from the projections shown.

Users should independently verify financial decisions with qualified professionals when appropriate.

Before signing a lease, making an offer, locking a mortgage rate, or committing to a long-term housing strategy, we strongly recommend consulting:

• A licensed mortgage lender for accurate rates and qualification.
• A CPA or tax advisor for tax implications.
• A fiduciary financial planner for long-term planning.
• A licensed real estate agent familiar with the duty station.
• Your installation legal assistance office for lease and SCRA questions.

MilHousing Playbook™ is an independent, privately operated platform. We are:

• Not affiliated with the U.S. Department of Defense or any military branch.
• Not endorsed by DFAS, the VA, or any government agency.
• Not a source of official military pay, benefits, or PCS guidance.

BAH, base pay, and BAS values are loaded from publicly available 2026 tables and may not reflect the most recent updates.

You remain solely responsible for your housing, financial, and PCS decisions. By using MilHousing Playbook™ you acknowledge these limitations and agree that the platform, its operators, and contributors are not liable for outcomes resulting from decisions made using these estimates.

Questions about how a number was calculated or what a recommendation means? Email fern.rootllc@gmail.com.