Can I buy a duplex with a mortgage?
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.
Yes, and it is smart
Yes. You can buy a duplex with a mortgage, and if you live in one unit, you can use owner-occupied loans like FHA at 3.5% down or VA at zero down. Renting the other unit helps cover your payment.
This strategy, called house hacking, is one of the best ways to start investing.
Using rental income
Lenders often let you count projected rent from the other unit to help you qualify, boosting your buying power.
Florida has strong rental demand. Reach out and we will run a duplex purchase for you.
Verify the details for your own situation against these government and agency sources: CFPB Owning a Home guide and HUD homebuyer resources.