Calculate Your Wealth With A 2–4 Unit Home Purchase And Just 3.5% Down

Buying a multifamily home isn’t just about securing a place to live—it’s a strategic wealth-building move. With an FHA loan, you can purchase a 2–4 unit property with as little as 3.5% down (if you’ll live in one of the units), even if you already have an FHA loan—provided you meet certain exceptions.

Let’s walk through how the FHA 2–4 Unit Home Purchase Cash Flow & Appreciation Calculator helps you estimate monthly expenses, cash to close, and long-term equity gains.

Final Thoughts

The FHA 2–4 Unit Loan is one of the most powerful yet underutilized tools in real estate investing. It lets you acquire a high-performing asset with a small down payment, live rent-free, and build wealth through both cash flow and appreciation.

Ready to Get Preapproved?

Our team will help you run the numbers, navigate FHA guidelines, and structure your offer with seller credits or DPA (if eligible). Let’s put your first or next multifamily investment to work.

Ready to Take Your First Step?

Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.

  • Takes just 5 minutes
  • Tailored results based on your answers
  • No credit check required
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Buying a home soon? Complete our short form and we’ll connect you with the best loan options for your target property and financial situation—fast.

  • Only 2 minutes to complete
  • Quick turnaround on pre-approval
  • No credit score impact
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Got a Few Questions First?

Let’s talk it through. Book a call and one of our friendly advisors will be in touch to guide you personally.

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Important Disclaimer

This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.

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