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%.
This is the "make or break" rule for 3 and 4-unit properties. ⚠️ The Self-Sufficiency Test buying a 4 plex with fha
Live in one unit; tenants pay the mortgage. 📋 Eligibility Requirements To qualify for a 4-unit FHA loan, you