Buying A 4 Plex With Fha May 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 buying a 4 plex with fha

This is the "make or break" rule for 3 and 4-unit properties. ⚠️ The Self-Sufficiency Test FHA requires 3 months of cash reserves for 3-4 unit deals

For 3-4 unit properties, the FHA requires the property to pay for itself. buying a 4 plex with fha

75% of the total estimated gross rent must exceed the full monthly mortgage payment (PITI).

Factor in the 1.75% Mortgage Insurance Premium.

In high-priced markets, many 4-plexes fail this test. 🛠️ Step-by-Step Process