FHA loan additional requirements with triplex?

[Tyler L.]

I've found a few triplex's in my area that make for great house hacks. I just got off the phone with my lender, and he said that FHA loans are generally difficult to do for 3 and 4 units, because the other units rental income (75% of actual income) need to cover the entire mortgage. He also said that very few banks give owner occupied loans on triplexes, so FHA is the only option already.

I’ve never come across this rule before. Is that all there is to it? Most of the properties I’ve looked at have had the other units cover the mortgage, but not when they make the 75% adjustment. 

[Melvin List]

@Tyler L. yes the rule is called the "net self sufficiency test". Your lender saying very few banks give owner occupied loans on triplexes is a load of ********!