🏘️ Houston Multifamily Loans Made Easy: Finance 2–4 Unit Properties 🏘️

💸 How to Get a Small Multifamily Loan in Houston (2–4 Units) 💸

Small Multifamily Loans: 2–4 Unit Properties in Houston
Are you considering investing in a duplex, triplex, or fourplex in the Houston area? Small multifamily properties—those with 2 to 4 units—offer an attractive blend of affordability and rental income potential. Whether you’re a first-time investor or a house hacker looking to offset your mortgage, the financing options available can make or break your deal.

Why Invest in 2–4 Unit Multifamily Properties?

Houston’s strong rental demand, growing population, and relatively affordable real estate market make it an ideal location for small multifamily investing. These properties let you live in one unit while renting out the others, generating passive income while building equity.

Financing Options for Small Multifamily Properties

1. Conventional Loans
Many lenders allow borrowers to finance 2–4 unit properties with conventional loans. These loans may require 15–25% down depending on whether you plan to occupy a unit.

2. FHA Loans (Owner-Occupied Only)
An FHA loan allows as little as 3.5% down for 2–4 unit properties, as long as you live in one of the units. Great for first-time homebuyers and house hackers.

3. VA Loans
Veterans can use VA loans to finance up to 4-unit properties with 0% down, provided they occupy one unit.

4. DSCR Loans
Debt Service Coverage Ratio (DSCR) loans are popular with investors who want to qualify based on rental income rather than personal income. These are perfect for self-employed investors or those with multiple properties.

5. Bank Statement Loans
Ideal for self-employed borrowers in Houston, bank statement loans use 12–24 months of deposits to qualify for a mortgage on a small multifamily.

Key Benefits

✅ Rental income helps you qualify
✅ Build wealth through equity and appreciation
✅ Multiple units mean diversified income
✅ Owner-occupants may access lower interest rates

Houston-Specific Tip:

Neighborhoods like Third Ward, Near Northside, and parts of Spring Branch offer high rental demand and opportunities for 2–4 unit acquisitions at attractive price points.

Final Thoughts

Whether you're looking to house hack your way to financial freedom or build your first real estate portfolio, small multifamily loans in Houston offer powerful leverage. The right lender and loan product can help you maximize cash flow and scale smart.

👉 Want help finding the right loan for your next 2–4 unit deal? Contact us today at Medallion Mortgage for expert advice and fast pre-approvals.

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© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory