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%.
Ensures the bank isn't at high risk if you lose your job. buying a 4 plex with fha
The home must meet strict safety and habitability standards. Property Management: Prepare to be a landlord on day one. 💡 Pro-Tips for Success To qualify for a 4-unit FHA loan, you