Live in one unit, rent out the rest — and build wealth with a low down payment.

Think FHA loans are only for small starter homes? Think again.

👉 FHA loans can be used to buy up to a 4-unit property, as long as you live in one of the units. That means you can:

• Offset your mortgage with rental income
• Build long-term wealth
• Get into real estate — even with a low down payment

Here’s how to use an FHA loan to buy a duplex, triplex, or fourplex in 2025 — and why it’s one of the smartest first moves in real estate.

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✅ What Kind of Multi-Unit Properties Qualify?

FHA loans can be used to purchase:

• Duplexes (2 units)
• Triplexes (3 units)
• Fourplexes (4 units)

You must live in one of the units as your primary residence.
The other units can be rented out to tenants — giving you monthly income that helps offset your mortgage.

📘 You can’t use FHA to buy a multi-unit investment property unless you’re occupying one of the units.

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💰 What’s the Down Payment?

Same as a single-family home:

• Only 3.5% down (with a 580+ credit score)
• Based on the total purchase price of the property

Example: Buying a $600,000 triplex = $21,000 minimum down payment

💡 That’s a fraction of the 20–25% down typically required for multi-unit investment loans.

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📊 Can Rental Income Help You Qualify?

Yes! FHA allows you to use projected rental income from the other units to help you qualify.

You’ll need:

• An FHA-approved appraisal that includes rental market value
• Signed lease agreements (if tenants already exist), or
• Fair market rent analysis from the appraiser

This income can help:

• Boost your debt-to-income (DTI) ratio
• Lower your effective housing cost
• Qualify for a larger property than you could afford on your income alone

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🧾 What Are the Requirements?

To buy a 2–4 unit property with an FHA loan, you’ll need:

✅ 580+ credit score (for 3.5% down)
✅ Live in the property for at least 12 months
✅ Meet FHA loan limits for multi-unit homes
✅ Pass an FHA multi-unit appraisal
✅ Show reserves if using rental income to qualify

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📍 FHA Loan Limits for Multi-Unit Properties (2025)

Loan limits increase with more units. In most counties:

Units	FHA Loan Limit (Standard Area)
1-unit	$498,257
2-unit	$637,950
3-unit	$771,125
4-unit	$958,350

In high-cost areas, limits go up to:

Units	FHA Loan Limit (High-Cost Area)
1-unit	$1,149,825
2-unit	$1,472,250
3-unit	$1,779,525
4-unit	$2,211,600

📌 We’ll check your county and walk you through your maximum budget and rental potential.

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🧠 Why Use FHA to House Hack?

✔️ Buy a multi-unit property with just 3.5% down
✔️ Use rental income to cover part (or all) of your mortgage
✔️ Live in the property for 1+ year, then move and keep it as a rental
✔️ Build equity and long-term wealth with minimal cash upfront

It’s one of the most powerful low-entry wealth-building strategies available — and FHA is your way in.

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🏢 Why PRMI?

At PRMI, we:

• Specialize in FHA multi-unit financing
• Understand rental income documentation and appraisal strategy
• Offer in-house underwriting and fast pre-approvals
• Work with new and experienced buyers alike

Whether you’re house hacking, investing, or just want help affording a home, we’ll show you how to structure it right.

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👇 Want to Use FHA to Buy a Duplex, Triplex, or Fourplex?

Let’s break down your numbers, show how much rental income helps, and get you on the path to multi-unit ownership.