Buying A 4 Plex With Fha Apr 2026

FHA requires 3 months of cash reserves for 3-4 unit deals.

The home must meet strict safety and habitability standards. Property Management: Prepare to be a landlord on day one. 💡 Pro-Tips for Success

Look for "value-add" units where you can raise rents.

Pay lower interest than commercial loans.

Find a lender experienced in multi-unit FHA loans.

This is the "make or break" rule for 3 and 4-unit properties. ⚠️ The Self-Sufficiency Test