Multi-Unit Investment Loans

Maximize cash flow and build long-term wealth with flexible financing for duplexes, triplexes, and fourplexes.

Why Invest in Multi-Unit Properties?

Multi-unit properties — also called 2–4 unit residential properties — are one of the smartest ways to grow your real estate portfolio. Compared to single-family rentals, they often offer:

  • Higher total rental income from multiple tenants

  • Lower risk — if one unit is vacant, the others still generate cash flow

  • Easier management — multiple units under one roof

  • More financing options than larger apartment buildings

Whether you’re a first-time house hacker living in one unit, or an experienced investor adding more doors, a multi-unit property can be a smart next step.

Multi-Unit Investment Loan Requirements

  • Property type: 2, 3, or 4 units (residential)

  • Down payment: Typically 20–25 percent if non-owner occupied; as low as 3.5 percent for FHA if you live there

  • Credit score: Higher scores mean better rates — 680+ for conventional, 580+ for FHA

  • Reserves: Some programs require you to have a few months’ worth of mortgage payments in savings

Frequently Asked Questions

Can I buy a 2–4 unit property without living in it?

Yes — with a Conventional or DSCR loan, you can buy it purely as an investment. FHA requires you to live in one unit for at least a year.

Can I use future rental income to help qualify?

Yes. We can count market rent estimates or existing leases to help you qualify for the loan.

Is it easier to qualify for a duplex than a fourplex?

Not necessarily. Lenders use the same basic rules for 2–4 units. However, the higher the rental income, the stronger the deal usually looks.