How to Finance a Quadplex in Florida

Financing a quadplex in Florida is a question of matching the property to the right loan. This guide walks through the options, the down payments, and the order to do things in.

Units

From 3.5%

Owner-Occ Down

FHA test

Self-Sufficiency

Max residential

Florida

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NMLS# 1859012 · Equal Housing Lender

Quadplex · Financing Guide

How to Finance a Quadplex in Florida

The path to financing a quadplex starts with a pre-approval that accounts for the property's quirks, then matching it to the loan that fits — and shopping that loan across lenders. The biggest mistake buyers make is choosing the property before confirming it is financeable on the terms they expect. We reverse that order.

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 · FHA · Conventional · DSCR.

Quadplex Snapshot

Units4

Owner-Occ DownFrom 3.5%

Self-SufficiencyFHA test

FloridaMax residential

How It Works

Apply Online

5 min · soft credit pull only

Match Loan

We shop lenders for the property

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

How to Finance a Quadplex Questions

What is the best way to finance a quadplex?

Start with a pre-approval built around the quadplex's specifics, then shop the matching loan across lenders rather than taking the first quote. We handle both so the financing fits the property and your budget.

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 Guide Quadplex · Requirements Quadplex · FHA Quadplex · Conventional Quadplex · DSCR All Property Types Apply for Pre-Approval

How to Finance a Quadplex?

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.