What is the FHA 90-day flip rule?
FHA generally won't insure a loan if the seller has owned the property less than 90 days. Between 91 and 180 days, additional appraisal and documentation requirements may apply when the resale price is significantly above the seller's purchase price.
Plain-English explanation
The rule exists to limit predatory flips. There are exceptions — HUD REO sales, employer relocations, inherited property, government agencies, certain nonprofit sales — but the default 90-day clock applies to a typical purchase. If you're writing FHA on a recently flipped property, confirm the seller's deed date before going under contract.
What can change the answer?
Property classification (single-family, condo, manufactured, 2–4 unit), occupancy, FHA program flavor (standard FHA vs 203k), and lender capability can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Property Types
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.