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Fha 203k- Descrepancy in units on property vs with county
Hi there!
I have found a rental property that I would like to purchase using an fha 203k loan.
here's my issue that I can't seem to Google my way out of.
The property is listed as having 4 units with the county but there are actually 5 units. There's four 1 bedroom/1bath in the main building and a garage apartment with a 1/1.
I know fha 203k is only for 4 units. However, I'd convert the 2 lower units to a 3/2 for myself and my children to live in.
Would the fha approval go off of what the county states, as the property only having 4 units?
Or would an appraiser do a new appraisal and put down 5 units blowing it?
Ive also researched here about covering 5 units to 4 and some have referenced you can change a 5 unit to a 4 or have it in your plans and still get an approval...
But others say no.
Help!