Buying A 4 Plex With Fha May 2026

To qualify for a 4-unit FHA loan, you must meet specific criteria: You must live in one unit for 12 months. Credit Score: Typically 580+ for the 3.5% down payment. Debt-to-Income (DTI): Generally must be under 43%–50%.

75% of the total estimated gross rent must exceed the full monthly mortgage payment (PITI). buying a 4 plex with fha

For 3-4 unit properties, the FHA requires the property to pay for itself. To qualify for a 4-unit FHA loan, you

This is the "make or break" rule for 3 and 4-unit properties. ⚠️ The Self-Sufficiency Test buying a 4 plex with fha

Calculate the Self-Sufficiency Test before offering.

Ensures the bank isn't at high risk if you lose your job.