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Updated about 2 years ago on . Most recent reply

Luke Maas's profile image
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Luke Maas
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Luke Maas's profile image
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Luke Maas
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Luke Maas
5
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General Real Estate Investing

Conventional vs. FHA

Luke Maas
Posted

Pros and cons of FHA loans for rental investment properties? I see some people suggesting conventional and DCSR and others that suggest FHA.

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Carlos Valencia's profile image
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Carlos Valencia
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Carlos Valencia's profile image
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Carlos Valencia
  • Lender
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Carlos Valencia
  • Lender
  • 92703
Replied

FHA pros - Great way to house hack and or buy a 2-4 unit with minimum down payment. Higher DTI ratio to qualify. lower rate.

Cons - It has to be primary for at least 12 months, Pay MIP (mortgage insurance premium)

Just run the numbers on all 3 scenarios to see which makes the most sense to you so you can feel confident with your decision. 

@Albert Bui @Matthew Kwan

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