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Updated about 5 years ago on . Most recent reply

Kevin DeMaio's profile image
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Kevin DeMaio
  • Rental Property Investor
  • from Tempe, AZ
  • Member since Feb 10, 2020
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Kevin DeMaio's profile image
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Kevin DeMaio
  • Rental Property Investor
  • from Tempe, AZ
  • Member since Feb 10, 2020
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Kevin DeMaio
  • Rental Property Investor
  • Tempe, AZ
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Starting Out

FHA loan vs. conventional loan to begin real estate investing

Kevin DeMaio
  • Rental Property Investor
  • Tempe, AZ
Posted

I'm beginning my real estate investing journey and I'm wondering which loan would be better to begin with? A FHA loan or Conventional loan? What are the pros and cons of each loan

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Curt Davis's profile image
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Curt Davis
  • Flipper/Rehabber
  • from Memphis, TN
  • Member since Aug 30, 2008
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Curt Davis
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  • from Memphis, TN
  • Member since Aug 30, 2008
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Curt Davis
  • Flipper/Rehabber
  • Memphis, TN
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Curt Davis
  • Flipper/Rehabber
  • Memphis, TN
Replied

Well, if you get an FHA loan it has to be a home that you will live in for a minimum amount of time. It can be a single-family, duplex, triplex or quadplex. Most refer to this as house hacking. Conventional financing for rental homes you will need 20% down bc you will not be living in the property. You will not have mortgage insurance with conventional but you will with FHA. You can only have 1 FHA loan at a time.

Good luck !

  • Curt Davis
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