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How much do you need to buy a duplex with FHA?
A Down Payment of 3.5% Is Required for Duplexes When using an FHA loan to buy a duplex home, borrowers are generally required to make a down payment of at least 3.5%. Specifically, that鈥檚 3.5% of the appraised value or the purchase price, whichever is less.
Can I buy a multifamily property with an FHA loan?
You may not purchase an actual investment property with an FHA loan. However, you can collect rental income on any other units in the multifamily home. You can not rent out all of the units though. You must use one as your primary residence.
Can I buy a duplex with conventional financing?
Owner-occupants who wish to purchase a duplex home could qualify for FHA or conventional financing. But an investor who does not plan to live in the property is typically limited to conventional financing.
Can a duplex be used as a primary residence?
One has already been mentioned: if the owner purchases a duplex, tri-plex, or four-plex and lives in one of the units as their primary residence, they can earn the income from the other properties (and even use it to help qualify for their FHA loan.)