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All Forum Posts by: Jacob Gardner

Jacob Gardner has started 1 posts and replied 1 times.

House Hacking

Post: FHA 3-4 unit self sufficiency test question !

Jacob GardnerPosted
  • Posts 1
  • Votes 2

Hello, so I have been searching for a 2-4 unit to house hack using an FHA loan. I found a triplex that I think would be perfect for me. I called my lender to get an updated pre-approval to send with my offer, and he told me it would not pass the self sufficiency test requirement for an FHA loan? He told me that 75% of 2 of the units rent must cover the entire mortgage payment! Can anyone confirm this ? I was under the impression that it was 75% of all 3 units rent, even though I would be living in one unit. Any help would be greatly appreciated!

2 Votes