Property Types
Can I buy a triplex or fourplex with a mortgage?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Yes. Three- and four-unit properties qualify for FHA (3.5% down), VA ($0 down), and conventional financing when you occupy one unit. Projected rent from the other units can boost your qualifying income.
Beyond four units it becomes commercial financing. We'll structure an owner-occupied triplex or fourplex so the tenants help cover your payment.
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