Duplex · FHA

FHA Duplex Loan in Florida

An FHA loan on a duplex offers a low 3.5% down payment and forgiving credit, when the property meets FHA's standards. Here is how FHA treats a duplex in Florida.

Units

From 3.5%

Owner-Occ Down

Counts

Rental Income

House-hack

Florida

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NMLS# 1859012 · Equal Housing Lender

Duplex · FHA

FHA Duplex Loan in Florida

FHA financing on a duplex brings a 3.5% minimum down payment and a 580-score floor, but FHA also has property rules — condition, occupancy, and project approval where it applies. When a duplex clears those, FHA is one of the most accessible loans, and it stacks with Florida assistance. We confirm FHA eligibility for the specific property.

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.

Read the full duplex financing guide, or compare other angles: Requirements · Financing Guide · Conventional · DSCR.

Duplex Snapshot

Units2

Owner-Occ DownFrom 3.5%

Rental IncomeCounts

FloridaHouse-hack

How It Works

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Processing

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Typically 14–21 days

FAQ

FHA Duplex Loan Questions

Can I use an FHA loan on a duplex?

Often yes, if the duplex meets FHA's condition, occupancy, and (where relevant) project rules. FHA then allows 3.5% down with flexible credit. We verify FHA will accept the specific property before you apply.

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 Guide Duplex · Requirements Duplex · Financing Guide Duplex · Conventional Duplex · DSCR All Property Types Apply for Pre-Approval

FHA Duplex Loan?

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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.