Yes — FHA lets you purchase a 2-, 3-, or 4-unit home when you live in one unit as your primary residence. That house-hack path can offset your payment with rental income while keeping FHA’s low down-payment structure. Ryan and Steve map unit count, loan limits, and rent scenarios before you shop.
For FHA purchase financing, “multi-family” means a legal 2–4 unit residential property — not a large apartment complex.
Multi-unit FHA purchases follow standard FHA credit and DTI rules — with extra attention on occupancy, unit count, loan limits, and how rent is counted.
Owner-occupant multi-unit financing can lower your effective housing cost while you build equity in a larger asset.
Clear occupancy and income planning from day one keeps underwriting smooth.
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Dive into specific unit counts or confirm your county FHA limit.
Two-unit owner-occupant rules, rent, and loan limits.
Three-unit FHA purchases and rental-income basics.
Fourplex house-hacking with FHA owner-occupancy.
How county ceilings change for one- through four-unit homes.
2MG Daily
Recent articles from our blog on multi-unit FHA financing and owner-occupant strategies.
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Ryan & Steve will confirm your unit count, county multi-unit limit, and rental-income plan — so you shop duplex, triplex, or fourplex listings with a file that is already multi-unit ready.