Keep in mind, true multi families tend to be more expensive than comparably sized single families or single families with ADU's, so although you're approved for more $ its also easy to spend more $ on these properties.You'll also want to consider the difference between a low down-payment conventional loan (5%) and a FHA loan (3.5%, I'd only recommend this loan for purchasing multi families) Since 2014 new FHA loans at 90% loan-to-value or less (more than 10% down), have the monthly mortgage insurance premium payable for at least 11 years.