House hacking means buying a 2–4 unit property, living in one unit and renting the others. FHA allows 3.5% down with a 580+ credit score, VA allows 0% down with full entitlement, and conventional loans allow 5% down on 2–4 unit primary residences. Rent from the other units can help you qualify. On FHA 3–4 unit purchases, the property must also pass the self-sufficiency test.
Loan options
| Program | Minimum down | Notes |
|---|---|---|
| VA | 0% with full entitlement | Must occupy one unit |
| FHA | 3.5% (580+ score) | 3–4 units must pass self-sufficiency |
| Conventional | 5% | 2–4 unit primary residence |
The FHA self-sufficiency test (3–4 units)
For a triplex or fourplex, 75% of the appraiser's market rent for all units, including the unit you'll live in, must be at least the full monthly payment (principal, interest, taxes, insurance, mortgage insurance and any HOA dues).
Example: four units at $1,800 market rent each = $7,200. 75% of $7,200 = $5,400. The full monthly payment must be $5,400 or less to pass.
2026 loan limits for 2–4 units
In King, Pierce and Snohomish counties: $1,361,800 (2 units), $1,646,100 (3 units), $2,045,700 (4 units). See all counties on the 2026 loan limits page.
Common questions
Does the FHA self-sufficiency test apply to duplexes?
No. It applies only to 3- and 4-unit properties.
Can rent from the other units help me qualify?
Yes. Lenders can count projected or actual rent from the other units under each program's rules, which can raise the price you qualify for.
Can I use a VA loan for a fourplex?
Yes, if you live in one of the units as your primary residence.