FHA fourplex house-hacking: live in one unit, loan limits, and rental-income rules. The 2 Mortgage Guys at Luminate Bank in Kokomo, nationwide.
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Yes — FHA allows owner-occupant purchases of four-unit properties. You live in one unit and can rent the other three, which may help offset the payment. Expect the highest multi-unit loan limits, stricter reserve expectations, and careful rental-income underwriting. Ryan and Steve help buyers structure a fourplex purchase that meets FHA guidelines.
A four-unit property lets you live in one unit while collecting rent from three others — the maximum multi-unit FHA house-hack when structured correctly.
Multi-unit FHA files get extra scrutiny. These are the items we stress-test before you write an offer.
Fourplex purchases often require more cash on hand than a single-family FHA buy — plan for both reserves and closing costs early.
A clear plan before you shop keeps your offer competitive and your file clean.
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Ryan & Steve will map your occupancy plan, confirm your four-unit loan limit, and stress-test rental income and reserves — so you shop fourplex listings with a file that is already fourplex-ready.