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Updated about 8 years ago on . Most recent reply

Joe H.'s profile image
Joe H.'s profile image
Joe H.
  • Developer
  • from Chicago, IL
  • Member since Jan 14, 2016
Connect

User Stats

82
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88
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Joe H.'s profile image
Joe H.'s profile image
Joe H.
  • Developer
  • from Chicago, IL
  • Member since Jan 14, 2016
Connect
Joe H.
  • Developer
  • Chicago, IL
88
Votes |
82
Posts
Private Lending & Conventional Mortgage Advice

FHA Multifamily Lending Requirements

Joe H.
  • Developer
  • Chicago, IL
Posted

I'm familiar with the basics of FHA loans, but haven't worked with one directly in 5 years, so I've heard a lot has changed. When it comes to qualifying for a multifamily building, how does the FHA treat rental income? I know when I first acquired a property with an FHA loan they basically counted 75% (or something like that) of the income towards the income side of my DTI ratio. Also, do they base this off current rents or market rents?

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