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Can I buy a duplex or fourplex with an FHA loan?

Short answerYes. FHA finances 2–4 unit properties with 3.5% down if you live in one unit, and part of the other units’ rent can help you qualify.

Reviewed by Juan Fernando Romero, NMLS 2557318Updated October 14, 2026

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Will the rent qualify the loan?

An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.