First Home · Florida
House Hack (2–4 Units) in Florida
Buy a duplex, triplex, or fourplex in Florida — live in one unit, rent the others, and let the tenants pay your mortgage.
Common challenges we solve
- Need low down payment for a multi-unit
- Want to count future rent toward qualifying
- Limited inventory in target neighborhood
What you get with Lumos
FHA 3.5% down on 2–4 units (owner-occupied)
75% of projected rent counted as income
VA $0 down on multi-units for veterans
Loan programs that typically fit
Frequently asked
- Can I count rental income I'm projecting?
- Yes — 75% of market rent on FHA, often more on conventional.
- How long do I have to live there?
- 12 months minimum for owner-occupied programs.
