First Home · Texas
House Hack (2–4 Units) in Texas
Buy a duplex, triplex, or fourplex in Texas — 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 low down payment options on 2–4 units (owner-occupied)
75% of projected rent counted as income
VA multi-unit options for eligible veterans
What's different in Texas
Texas has no state income tax, but property tax rates are among the higher ones in the country, and newer subdivisions often add MUD or PID assessments — all of which count toward your monthly debt-to-income ratio.
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.
