FHA Loans
Can I use an FHA loan for an investment property?
Answered by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
Not for a pure rental — FHA is owner-occupied only. But you can buy a two-to-four-unit property with FHA, live in one unit, and rent the others, which is a powerful investment strategy.
The rental units' income can even help you qualify. For a standalone investment, we'll use a conventional or DSCR loan instead. We'll structure the multi-unit purchase to your advantage.
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