Investor loans
2 to 4 units. Live in one, rent the rest
Duplexes, triplexes and fourplexes, owner-occupied or fully rented. We shop your loan with 130+ lenders.
What a 2 to 4 unit loan is
Properties with two to four units can be financed with residential loans.
If you live in one unit, owner-occupied programs may apply, and rent from the other units can help you qualify.
Who it fits
- Buyers who want to live in one unit and rent the others
- Investors buying small multifamily
- Owners refinancing a duplex or fourplex
- Families buying with room for relatives
The steps
How it works with us
- Tell us about the propertyUnits, current rents and whether you'll live there.
- One soft pullWe check your credit once, without affecting your score, and shop the file with 130+ lenders.
- Compare programsWe compare conventional, FHA, VA and DSCR options for the property.
- CloseWe keep the appraisal, lender and title moving, and get you to closing.
Get ready
What to have on hand
You don't need all of it to start. The application tells you what's missing.
- Photo ID for everyone on the loan
- Leases for the rented units
- Income documents
- Bank statements showing down payment and reserves
- Purchase contract or current mortgage statement
Questions
Good to know
Can rent from the other units help me qualify?
Yes. Lenders can count rental income from the other units.
Can I use FHA or VA on a fourplex?
Yes, if you live in one of the units and meet the program rules.
Can investors finance 2 to 4 units?
Yes, with conventional or DSCR loans.
Is it different from an apartment building loan?
Yes. Five or more units are financed as commercial multifamily.