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Quadplex · FHA

FHA Quadplex Loan in Florida

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

4
Units
From 3.5%
Owner-Occ Down
FHA test
Self-Sufficiency
Max residential
Florida
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NMLS# 1859012 · Equal Housing Lender
Quadplex · FHA

FHA Quadplex Loan in Florida

FHA financing on a quadplex 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 quadplex 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 quadplex (fourplex) is the largest property that still qualifies for residential financing. Four units is the ceiling — five or more becomes a commercial loan — so a fourplex is the sweet spot for scaling with low-down, owner-occupied terms.

Owner-occupied, a fourplex uses FHA at 3.5% down, conventional, or VA at $0 down, with rent from the other three units counted toward qualifying. FHA's self-sufficiency test applies, so those three rents must cover the mortgage payment — a meaningful screen we run up front. The result is a building that can pay for itself while you live in one unit.

As an investment, a fourplex uses DSCR or conventional investor financing. We structure the loan to your strategy and confirm the rents support it.

Quadplex at a Glance

✓Four units is the maximum for residential financing.
✓Owner-occupied FHA from 3.5% down on all four units.
✓Rent from three units helps you qualify.
✓FHA self-sufficiency test must be met.

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

Quadplex Snapshot
Units4
Owner-Occ DownFrom 3.5%
Self-SufficiencyFHA test
FloridaMax residential
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

FHA Quadplex Loan Questions

Can I use an FHA loan on a quadplex?

Often yes, if the quadplex 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 buy a fourplex with an FHA loan?

Yes, with 3.5% down if you occupy one of the four units. FHA applies a self-sufficiency test, meaning the property's rents must cover the full payment. We verify that math on your target fourplex before you commit.

Why is four units the limit for residential loans?

Lending guidelines define one to four units as residential and five or more as commercial. So a fourplex is the largest property you can finance with low-down, owner-occupied residential terms — which is why investors target it.

Keep Going
Quadplex GuideQuadplex · RequirementsQuadplex · Financing GuideQuadplex · ConventionalQuadplex · DSCRAll Property TypesApply for Pre-Approval

FHA Quadplex 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.