1st Time FHA Multi Family Questions

[Logan Wilkerson]

Hi everybody,

I have finally gotten all my finances in order and am getting ready to house hack my first multi family. 

Several of the properties I am interested in are actually detached multi families (4plex across 2 buildings.) They are on the same parcel and classified as a multi family by the county. According to FHA guidelines that is acceptable, but I have read conflicting things that many FHA lendors will not cover these.

Does anybody have past experience with this situation and can confirm whether this is actually true. If it is are there ways to mitigate this in advance or do I just need to continue calling lendors until one agrees to cover a detached multifamily. Is there a difference in national vs local lenders in this regard will I should focus my calls to?

I should not have any issues qualifying (760 rating, no debt, 2.5 years of mortgage reserves, relatively high W2 income.)