DSCR vs FHA Loans
FHA loans are for homes you live in. DSCR loans are for properties you rent out.
FHA
- Requires you to live in the property
- Low down payment options
- Can be used on 2 to 4 units if you live in one unit
DSCR
- Investment properties only
- Higher down payment
- No personal income documentation
A common path
Some investors start with an owner-occupied multi-unit, move out later and refinance into a DSCR loan. Ask how the timing works for you.
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