Multi-Unit Property Loans
Finance duplexes, triplexes, and fourplexes — live in one unit, rent the others, and build wealth through real estate.
Overview
Multi-unit properties (2–4 units) offer a unique opportunity: you can live in one unit and rent the others, using rental income to help qualify for the loan and offset your mortgage payment. FHA, VA, and conventional loans all allow owner-occupied multi-unit purchases, while DSCR programs serve investors buying non-owner-occupied multi-units.
Who Is This For?
- House-hackers who want to live in one unit and rent the others
- First-time investors looking for income-producing primary residences
- Experienced investors scaling a multi-unit portfolio
- Veterans using VA benefits for a multi-unit purchase
Recommended Programs
Loan programs that fit this buying scenario.
The Buying Process
What to expect from pre-approval to closing.
Choose Your Strategy
Owner-occupied house-hack or pure investment — your strategy determines the program.
Get Pre-Approved
Include projected rental income in your qualification analysis.
Acquire & Manage
Close on the property and start building passive income.
Frequently Asked Questions
Yes. For owner-occupied multi-units, most programs count 75% of projected rental income from the other units toward your qualifying income.