If a person disposes of the property securing a VA-guaranteed loan for which a commitment was made after March 1, 1988, without first notifying the holder of the loan, the holder may demand immediate and full payment of the amount owing on the loan.
An wrap using a land contract wherein title doesn’t transfer permitted on a VA loan. Oddly enough, the VA regs say nothing about a lease/option, which is less of a “transfer” than a land contract. However, the typical VA mortgage says a lease/option is a violation.
Your question is also your answer . . . “how would the lender know”?