Property Types
Can I buy a duplex with a mortgage?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes. A duplex (two units) can be bought with FHA at 3.5% down, VA at $0 down, or conventional, as long as you live in one unit. The rent from the other unit can help you qualify.
It's a smart house-hacking move in Florida. For a duplex you won't occupy, an investment or DSCR loan fits. We'll structure it to your living and income goals.
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