Multi-Unit Residential Mortgages
Financing for duplexes, triplexes, and small apartment buildings — whether you'll live in one unit or rent them all.
What this covers
Multi-unit residential properties — duplexes, triplexes, fourplexes, and small apartment buildings — sit in their own lending category. Rules differ depending on whether you'll occupy one unit or treat the whole building as an investment, and rental income from other units can help you qualify.
We match you with lenders experienced in multi-unit deals, whether it's your first small apartment building or an expanding portfolio.
Who it's for
- Buyers purchasing a duplex or triplex to live in and rent out
- Investors buying a small apartment building
- Anyone refinancing an existing multi-unit property
- Landlords looking to grow beyond a single rental
How Nestwell helps
- Explain owner-occupied vs. investment financing rules
- Factor in rental income from other units toward qualifying
- Match property size (2–4 units vs. 5+) to the right lender category
- Compare 100+ lenders for the best available terms
Good to know
Owner-occupied 2–4 unit properties can qualify for lower down payments than a pure investment purchase — often as low as 5–10% on the portion you'll live in.
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Common multi-unit questions
Owner-occupied 2–4 unit properties can qualify for as little as 5–10% down, depending on the lender and purchase price.
Yes — most lenders count a portion of rental income from the units you won't occupy toward your qualifying income.
Properties with 1–4 units are financed under residential lending rules; 5+ units typically fall under commercial lending, with different qualification criteria.
Yes — we can help you refinance to access equity or improve your rate, the same as with any other property.
Finance your next multi-unit property
Free, no-obligation assessment — whether you'll live there or rent it all out.