Buying A 4 Plex With Fha May 2026
Live in one unit; tenants pay the mortgage. đź“‹ Eligibility Requirements
FHA requires 3 months of cash reserves for 3-4 unit deals. buying a 4 plex with fha
Find a lender experienced in multi-unit FHA loans. Live in one unit; tenants pay the mortgage
Look for "value-add" units where you can raise rents. Live in one unit
75% of the total estimated gross rent must exceed the full monthly mortgage payment (PITI).
In high-priced markets, many 4-plexes fail this test. 🛠️ Step-by-Step Process