Bottom Line Up Front
Finance 2-4 unit residential properties. Owner-occupants: FHA, VA, conventional. Investors: conventional, DSCR. Rental income from other units helps qualify.
Overview
Finance 2-4 unit residential properties. Owner-occupants: FHA, VA, conventional. Investors: conventional, DSCR. Rental income from other units helps qualify.
Who Qualifies?
Owner-occupied: standard + rental income. Investment: 15-25% down.
Key Benefits
- ✓Rental income helps qualify
- ✓House-hacking opportunity
- ✓FHA/VA for owner-occupied
✅ Pros
- Income offset
- House-hacking
- Multiple options
⚠️ Considerations
- Higher down for investment
- Property management
- Complex appraisals
California-Specific Information
Common in SF, Oakland, LA, and Long Beach. Excellent house-hacking opportunities for owner-occupants.
Rates & Pricing
Owner-occupied: similar to single-family. Investment: 0.25-1% premium.
Why Choose Save Financial for Multi-Family Loans?
Save Financial is a trusted California mortgage broker (NMLS #377740) with 45 years of combined experience and relationships with 20+ wholesale lenders. We specialize in finding the best multi-family loans rates and terms for California borrowers. Our $500 price guarantee means if we can't beat another lender's offer, you get $500. We serve 60+ California cities from our offices in Newport Beach and Marina del Rey, and our team speaks English and Spanish.
Call (888) 703-1840 or get a free quote online — open 7 days a week, 9AM–8PM.
$500 Cash Loan Price Match Guarantee
Get a written offer from any lender. If Save Financial cannot beat it for the same product, we pay you $500 cash.
NMLS #377740 · DRE #01875766 · Call (888) 703-1840
Reviewed By
Mike Baasti, Licensed Mortgage Broker
Founder of Save Financial, Inc. (NMLS #377740) in Newport Beach, CA. 20+ years in residential and investment lending across conventional, FHA, VA, jumbo, hard money, bank statement, and specialty mortgage programs.