![]() If you use a conventional loan for an owner-occupied multi family property, the minimum downpayment for a duplex (2 Units) is 15%, for a triplex or four-plex (3-4 Units) the minimum down payment is 25%. ![]() The return on this investment is being multiplied as savvy home buyers are buying up multi-family properties with as little as 3.5% down payment (with an FHA loan.) and living in one of the units for at least 2 years. This turns your loan from an investment property loan (which has its own requirements) into an owner-occupied loan, which has huge advantages in many ways. The key to having a low down payment on a multi-property is to live in one of the units for at least two years. Need a Second Opinion? Click Here for Help! Savvy home buyers can buy up multi-family properties with as little as 3.5% down payment. How much down payment is required for a conventional loan for a multi-family property?
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