A vehicle including a fuselage having a longitudinal axis and a transverse axis, two Ducted Fan lift-producing propellers carried by the fuselage on each side of the transverse axis, a pilot's compartment formed in the fuselage between the lift-producing propellers and substantially aligned with one side of the fuselage, a payload bay formed in the fuselage between the lift-producing propellers and opposite the pilot's compartment, and two pusher fans located at the rear of the vehicle. Many variations are described enabling the vehicle to be used not only as a VTOL vehicle, but also as a multi-function utility vehicle for performing many diverse functions including hovercraft and ATV functions. Also described is an Unmanned version of the vehicle. Also described are unique features applicable in any single or multiple ducted fans and VTOL vehicles.