Renovation financing fits many residential property types — but occupancy, condition, and program rules matter. Ryan and Steve screen the listing before you offer so you are not chasing a home your renovation loan cannot fund.
Most renovation purchases are 1–4 unit homes you will occupy — but other residential types can qualify when guidelines are met.
Occupancy is one of the biggest filters. FHA 203(k) and VA renovation generally require you to live in the home as your primary residence. HomeStyle can also work for second homes and investment properties when you meet conventional occupancy and reserve guidelines.
These scenarios often need extra review — or may not fit renovation financing at all.
Related guides to confirm property fit and move toward pre-approval.
How purchase-plus-rehab financing and draw disbursements work.
Eligible repairs vs. cash, HELOC, or separate financing.
When FHA purchase alone is not enough and 203(k) steps in.
Calculator, programs, and the full renovation hub.
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Send Ryan & Steve the listing link or address. We will review property type, occupancy, and condition against FHA 203(k), HomeStyle, and VA renovation rules before you write the offer.