Multi-Unit Buyer Solutions
House-hack your way to wealth — live in one unit, rent the others, and build equity through rental income.
Overview
Multi-unit properties (2–4 units) are one of the smartest first investments you can make. FHA and VA allow owner-occupied purchase with low or no down payment, and the rental income from other units helps you qualify and covers your mortgage. For investors, conventional and DSCR programs finance 2–4 units as pure investment properties. Properties with 5+ units require commercial financing.
Common Challenges
Here's what often makes financing harder — and how we solve it.
Higher Purchase Prices
Multi-unit properties cost more than single-family — but rental income offsets this significantly.
Property Management
Managing tenants requires time and systems, though many buyers find it manageable for 2–4 units.
Different Loan Limits
FHA and conventional limits are higher for multi-unit properties, but vary by county.
Recommended Programs
Loan programs designed for your situation.
Qualification Tips
Owner-occupied multi-units qualify for stronger terms — live in one unit for at least 12 months.
75% of projected rental income from other units can be used to help you qualify.
Multi-unit FHA limits are significantly higher than single-family limits (up to $1.3M+ in high-cost areas).
For pure investment, DSCR programs allow qualification based on total property cash flow.
How to Get Started
Your path to homeownership — simplified.
Strategy
Owner-occupied house-hack or pure investment? Your strategy sets the program.
Pre-Approval
Include projected rental income in your qualification — it helps significantly.
Acquire & Manage
Close, move in (if owner-occupied), and start building passive income.
Frequently Asked Questions
Yes — with FHA, you can purchase a 2–4 unit property with just 3.5% down as long as you live in one of the units. VA allows zero down on 2–4 units for eligible veterans.