Not every buyer fits a standard 20%-down conventional mortgage, and that's fine. Here's an honest look at the financing options I walk clients through most often.
FHA & Owner-Occupied 2-4 Unit Loans
FHA loans allow as little as 3.5% down for owner-occupied properties, including 2-4 unit buildings — a common entry point for first-time buyers and first-time investors alike, since you can live in one unit and rent the others.
Seller Financing
Some sellers, especially on off-market or investment properties, are willing to finance part or all of a sale directly. Terms are negotiable and can mean a faster close or more flexible qualification than a traditional lender — worth exploring on the right property.
Partnerships & Private Money
Pooling capital with a partner, or borrowing from a private lender, can get you into a deal that your own financing alone wouldn't reach. This requires clear agreements up front — we'll talk through what a sound structure looks like.
VA Loans
For eligible veterans and service members, VA loans offer 0% down financing with competitive terms — often the strongest option available if you qualify, whether for a primary residence or an owner-occupied multi-family property.
