Buying a duplex is a smart way to live in one unit and rent out the other—turning your home into an investment. And with an FHA loan, it’s more achievable than many people think.
1. FHA Loan Basics
FHA loans are government-backed and ideal for first-time buyers. They typically require a lower credit score (as low as 580) and only a 3.5% down payment.
2. Duplexes Are Eligible
Yes, you can buy a 2-unit property with an FHA loan—as long as you live in one of the units as your primary residence.
3. Rental Income Can Help You Qualify
One of the biggest perks? The potential rental income from the second unit can be included in your income calculation, making it easier to qualify for a larger loan.
4. What You’ll Need
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Proof of income (W-2s, pay stubs, or tax returns if self-employed)
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Proof of residency intent (you must move in within 60 days)
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A solid debt-to-income ratio (FHA typically allows up to 43%)
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Property must meet FHA appraisal standards
Final Thought
If you’re looking to house-hack your way to financial freedom, using an FHA loan to purchase a duplex can be a game changer. Just be sure to work with a lender who understands the process and can guide you through the steps.
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