Multifamily Home Loans

Live in One Unit. Rent the Others. Start Building Wealth.

You may not need 20% down to purchase your first multifamily property. Explore Conventional, FHA, VA, and DSCR financing for eligible duplexes, triplexes, and fourplexes.

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♙ 2 to 4 unit properties

▤ Low down payment options

♟ Owner-occupied or investment options

MULTIFAMILY
FINANCING Live in one. Rent the rest.

As little as 5% down

Conventional options

3.5% down

FHA with 580+ FICO

0% down

Eligible VA buyers

~25% down

Typical DSCR starting point

*Subject to credit, underwriting, property, lender, and program requirements.

Loan Options

Four Ways to Finance Your Multifamily Property.

Explore different loan programs to find the right path for your goals. Eligibility requirements apply to all programs.

Conventional

As little as 5% down

One unit must be occupied as your primary residence. Additional eligibility requirements apply.

FHA

As little as 3.5% down with 580+ FICO

Owner occupancy required. For 3–4 unit properties, additional rental income and reserve requirements apply.

VA

0% down for eligible buyers

Available for eligible veterans, service members, and surviving spouses. Subject to entitlement and lender approval.

DSCR

Financing for investors

Typically starting around 25% down, depending on the scenario. Qualify based on rental income relative to housing expenses. Investment property only. No owner occupancy required.

Qualify With Rental Income

Rental Income May Help You Qualify.

Qualifying rental income from the other units may help support approval on eligible owner-occupied loans. The amount of rental income that can be used is subject to program guidelines, appraisal, documentation, reserves, and lender requirements.

Occupy one unit

Live in one unit as your primary residence.

Document rental income

Use qualifying rental income from the other unit(s).

Meet reserve requirements

Additional reserves may be required depending on the loan program.

Explore Your Options →

Build Long-Term Wealth

Start With a Home. Build Toward a Portfolio.

A multifamily home can help you become both a homeowner and a landlord. Live in one unit, rent the others, and start building long-term wealth. We'll help you compare your options, understand the requirements, and create a plan that fits your goals.

Generate rental income

Help offset your monthly mortgage payment.

Build equity

Grow your net worth over time.

Expand your portfolio

Use your first multifamily as a stepping stone to future investments.

Modern multifamily townhomes with landscaped grounds

Let's Talk About Your Goals

Ready to Explore Your Multifamily Options?

Get clear answers, compare financing paths, and build a plan around your goals.

Apply Now Book a Consultation

All loans are subject to applicable automated underwriting system findings or permitted manual underwriting, lender approval, and property eligibility. Minimum down payments are not available for every scenario. Closing costs and reserves may be required in addition to the down payment. Owner-occupied financing requires genuine primary residence occupancy.