Multifamily Loans (2–4 Units)
Own More. Earn More. Live Free.
Most people grind for 40 years and retire broke.
Or…
You can start collecting rent while they’re still punching time cards.
Why 2–4 Unit Properties Are the Smartest Way to Start
Forget flipping. Skip single family.
Here’s why 2–4 unit multifamily buildings are the cheat code for wealth:
Triple Play Wealth Formula:
Appreciation – The property grows in value
Debt Paydown – Tenants pay your mortgage
Cash Flow – Monthly profit while you sleep
You’re in Control:
Raise rents = Raise value
One roof, multiple incomes
Better tax benefits than single family homes
Not Sure Where to Begin?
Start with your “Buy Box.”
📍 Location: Where do you want to invest? What tenants are you targeting?
🏢 Property Type: Ready-to-go or fixer-upper?
🔧 Value-Add Potential: Can you add a bedroom, improve layout, or raise rent?
💰 Cash Flow Goals: Most aim for 7%+ cash-on-cash returns
Financing Options
Choose what fits your life (we help you with this).
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🔹 5–25% Down
🔹 640+ credit (700 = better rates)
🔹 Must have 6 months reserves
🔹 PMI if <20% down
🔹 Fannie (5% down w/experience), Freddie (15–20%, no experience needed)
Best for: Strong credit buyers ready to scale fast.
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🔹 Only 3.5% down
🔹 580–640 credit minimum
🔹 Up to 55% DTI
🔹 Self-sufficiency test for 3–4 units
🔹 Allows rehab with 203k loan
Best for: First-time house hackers or buyers with low savings.
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🔹 0% Down
🔹 No PMI
🔹 Lower interest rates
🔹 Can include rehab costs
Best for: Eligible veterans—hands down the #1 option.
Want to Buy & Renovate? Use These Loans
Perfect for:
Buying distressed properties and increasing value from Day 1.
FHA 203(k)
3.5% down
Limited (up to $75k) or Standard (no cap)
Must meet FHA self-sufficiency test
Fannie Mae Homestyle
5% down
Covers creative and large projects
More flexible than FHA
How the Loan
Process Works
Simple. Efficient. Designed for busy professionals.
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Stick to 2–4 units.
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Conventional, FHA, or VA.
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Submit documents (we guide you through it).
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Finalize the loan, move in or rent it out.
Step-by-Step:
💡 Pro Tip: Future rental income from other units helps you qualify — even on FHA!
Crunch the Numbers Like a Pro
Want to know what you can afford?
Use our free mortgage calculator
👉 Click here!
We’ll help you factor in:
PITI (Principal, Interest, Taxes, Insurance)
Maintenance & reserves
Rental income projections
(we use 75% of market rents to qualify you)
