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Florida Property Type · Duplex

Duplex Mortgage in Florida

Live in one side, rent the other — and use the rent to help you qualify.

2
Units
From 3.5%
Owner-Occ Down
Counts
Rental Income
House-hack
Florida
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Get Pre-Approved in Duplex
5 minutes · No cost · Soft credit pull only
NMLS# 1859012 · Equal Housing Lender
Duplex · Florida

Duplex Mortgage From a Florida Mortgage Broker

A duplex is the classic house-hack: live in one unit, rent the other, and the lender lets you count that rental income to qualify. As a primary residence, a duplex still gets low-down owner-occupied financing.

Owner-occupied, a two-unit property qualifies for FHA at 3.5% down, conventional at 5%, and VA at $0 down for eligible buyers — and the projected rent from the second unit can offset the payment in your debt ratio. As a pure investment, expect 20%-25% down with DSCR or conventional investor financing.

We structure the duplex loan around how you will use it. For house-hackers we maximize the rental-income credit; for investors we lean on DSCR so the property's cash flow carries the approval.

Duplex at a Glance

✓Owner-occupied FHA from 3.5% down on two units.
✓Projected rent from the second unit helps you qualify.
✓VA $0 down available for eligible buyers.
✓Investor purchase: DSCR or conventional, 20%–25% down.

Go deeper on financing a duplex: Duplex Loan Requirements · How to Finance a Duplex · FHA Duplex Loan · Conventional Duplex Loan · DSCR Duplex Loan.

Duplex Snapshot
Units2
Owner-Occ DownFrom 3.5%
Rental IncomeCounts
FloridaHouse-hack
How It Works
01
Apply Online
5 min · soft credit pull only
02
Match Loan
We shop lenders for the property
03
Processing
Our team handles paperwork
04
Close
Typically 14–21 days
FAQ

Duplex Questions

Can I use rental income to buy a duplex?

Yes. When you live in one unit, lenders count a portion of the projected market rent from the other unit toward your qualifying income, which can meaningfully raise what you can afford. We document the rent properly so it counts.

What down payment do I need for a duplex?

If you live in it, FHA allows 3.5% down, conventional 5%, and VA $0 for eligible buyers. As a pure investment, expect 20% to 25% down via DSCR or conventional investor loans. Occupancy decides the number.

Keep Going
Duplex Loan RequirementsHow to Finance a DuplexFHA Duplex LoanConventional Duplex LoanDSCR Duplex LoanAll Property TypesApply for Pre-Approval

Financing a Duplex?

A licensed Florida mortgage broker who matches the loan to the property — 5-minute pre-approval, honest numbers.

(561) 300-0380

Figures are illustrative only and vary by property, credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.