Loans for houses with no central air/heat

[Austin Suddreth]

Hello, I’m looking into buying a property that’s older and doesn’t have central air or heat for rental. My realtor informed me you can’t get a conventional loan on properties without central installed already. Does anyone know if this is true or have any experience buying properties without central installed already? I’m located in Texas and the property im looking at already has renters in it as well.

[Greg H.]

That is not true. FHA/Va/FNMA require a heat source but a/c is not required. That can be as simple as baseboard heating. Central air/heat has never been a requirement