Duplex, triplex or fourplex: live in one unit, or rent them all.
One loan covers the whole building. Rent every unit and the building's rent qualifies the loan; live in one and FHA or Conventional takes over, with the other units' rent helping you qualify.
Check My 2–4 Unit Options
What's your primary goal?
Pick the one that sounds most like you.
Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending
No credit check to complete this quiz · your info is never sold
60 seconds · no hard credit pull · never sold
- Duplexes, triplexes and fourplexes: 2–4 residential units on one loan.
- Renting every unit: the building's rent qualifies through DSCR, with 20% down on a purchase and no tax returns.
- Living in one unit: FHA with 3.5% down at 620+ credit, or Conventional.
- On a building you live in, rent from the other units can count toward your income.
- Investor refinances up to 75% of value with cash out, 80% without.
- Below 620: investor refinances up to 50% of value and investor purchases with 50% down; FHA purchases with 20% down, from HUD's 500 minimum.
- Hold an investment building in your own name or your LLC.
- Available in all 35 states + D.C. where Arran is licensed.
Rather just talk? Call or text us at (949) 401-7593
2–4
Units on one loan
3.5%
Down on FHA, living in one unit, 620+
20%
Down on an investment purchase
0
Tax returns on a DSCR investor loan
LLC
Vesting OK for investors
Buildings with 5 or more units are commercial real estate, financed differently. All loans subject to credit approval.
Straight Answers Up Front
Can we fund your deal? Check before you apply.
We'd rather tell you now than waste your time. Here's what we can and can't do, plainly stated.
We can help with:
- Duplexes, triplexes and fourplexes, purchase or refinance
- Investment buildings on DSCR or a rental property loan: the rent qualifies, LLC OK
- Buildings you live in on FHA (3.5% down at 620+) or Conventional
- Investment purchases with 20% down
- Below 620: investor refinances up to 50% of value, investor purchases with 50% down, FHA purchases with 20% down (from HUD's 500 minimum)
We're not the right fit for:
- Buildings with 5 or more units (commercial financing)
- FHA on a building you won't live in (see DSCR or Rental)
- Loans under $75,000
- Properties outside the 35 states + D.C. where Arran is licensed
If your score improves, come back. We'd genuinely love to take another look. A gray-area scenario? Call or text (949) 401-7593.
Simple Qualifications
Two ways to own a 2–4 unit building.
Whether you live there decides the loan. Here is how each path works.
Good Fit If
You want the building to pay its way.
- Buying or refinancing a duplex, triplex or fourplex
- Renting every unit, or living in one and renting the rest
- The rents cover most or all of the payment
- Credit at 620+, or a larger down payment below 620
Keep In Mind
Living there or not decides the program.
- Live in one unit: owner-occupied, through FHA or Conventional
- Rent every unit: an investment, through DSCR or a rental property loan
- FHA needs you to live in one of the units
- Buildings with 5 or more units are commercial financing
Side by side
Live in one unit, or rent them all.
| What changes | Live in one unit | Rent every unit |
|---|---|---|
| Program | FHA or Conventional | DSCR or a rental property loan |
| Down payment at 620+ | FHA: 3.5% | 20% |
| Credit below 620 | FHA purchases with 20% down (500+ credit) | Purchases with 50% down; refinances up to 50% of value |
| How you qualify | Your income, plus rent from the other units | The building's rent, with no tax returns |
| Vesting | Your own name | Your own name or your LLC |
All loans subject to credit approval.
Run the rent math
Does the building pay for itself?
The rental calculator compares the rent with the full monthly payment, the same test a DSCR loan is built on.
Open the rental calculator →Products
A program for nearly every scenario.
More programs are in the tabs at the top. Need something else? Call or text (949) 401-7593.
- Our Most Popular Product
5-Day HELOC
Qualify on household income, no income docs at 680+ on lines of $150K+, keep your low-rate first mortgage
See HELOC options → - ★ Self-Employed
P&L Loan
Your accountant prepares a profit and loss, and that income qualifies you
See P&L Loan options → - Investors
Investment (DSCR)
The rent qualifies, not your W-2
See DSCR options → - Cash In Hand
Refinance / Cash Out
Pull cash out for your next investment, or roll your debts into one loan
See Refinance options → - Buy & Hold
Rental Property Loan
Long- or short-term rentals, 1–4 units: the rent qualifies, 20% down to buy
See Rental Loans options → - Speed
Hard Money
Asset-based: close in days, not months. Purchase or refinance
See Hard Money options → - Strong Credit
Conventional
620+ credit. Up to 80% LTV cash out, 95% LTV rate and term
See Conventional options → - Primary Residence
FHA Loan
3.5% down at 620+. Up to 80% LTV cash out, 97.5% LTV rate and term
See FHA options → - Veterans
VA Loan
Veterans and active duty: 0% down at 620+, no PMI, up to 100% LTV
See VA options → - No Monthly Mortgage Payment
Reverse Mortgage
55+: equity access, no monthly mortgage payment
See Reverse options → - Credit From 500
Equity Investment (HEI)
Cash for your equity. No monthly payments, credit from 500
See HEI options → - Bank Deposits
Bank Statement
Your bank deposits qualify you, not your tax returns
See Bank Statement options → - No Income Docs
No-Ratio
Investment properties: 680+ credit, no income docs, up to 65% LTV
See No-Ratio options → - Buying a Home
Purchase
Get pre-approved for your next home
See Purchase options → - Let the quiz decide
Not Sure? Show Me Options
Fill out the quiz and Arran will personally match your scenario to the right program you qualify for
Find my program →
Our Process
From first question to funded, in four steps.
No guesswork. No pressure. Just a clear path to the right loan.
- 1
Tell us your scenario
Answer a few questions online in about 60 seconds, or call or text (949) 401-7593. Seeing your options takes no hard credit pull.
- 2
We shop your options
We shop your scenario across many lenders and lay out the trade-offs plainly, so you can pick the fit.
- 3
Apply and get approved
Complete the full application. We tell you up front which documents your program needs, and nothing more.
- 4
Close, and keep us on call
Sign and fund. When the next purchase, refinance or line of credit comes up, you already know who to call.
Guides
Go deeper before you decide.
Plain-English guides with the same numbers the quiz uses.
No-Seasoning DSCR Loans: Refinance Without the Wait
No title seasoning on DSCR cash-outs of $100,000+: refinance on today's appraised value, up to 75% cash-out or 80% rate-and-term, with a worked BRRRR example.
Read the guide →DSCR HELOCs and Second Mortgages for Rental Properties
A DSCR HELOC or closed-end DSCR second on a rental: qualified on the rent, up to 75% combined loan-to-value, first mortgage untouched, and when a HELOC fits.
Read the guide →How to Choose a DSCR Lender: The Terms That Matter
How to compare DSCR lenders: the seven terms that really differ, eight questions to ask before you sign, the red flags, and our own published DSCR box.
Read the guide →FAQ
Frequently Asked Questions
Common questions about Multifamily Loan loans.
Get Started Today
Straight answers, fast.
Check your Multifamily options in about 60 seconds with no hard credit pull, or call or text and talk it through with Arran's team.
Rather pick a time? Book a call
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.