FHA Loans
Can I buy a multi-family home with an FHA loan?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes. FHA finances two-to-four-unit properties with just 3.5% down, as long as you live in one unit as your primary residence. It's the classic house-hacking strategy.
The rent from the other units can help you qualify, and FHA even lets projected rent count toward income. We'll structure a Florida duplex or fourplex purchase so the tenants help cover your mortgage.
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