Can FHA be used for an investment property?
No, not as a pure rental. FHA is for primary residences. The closest exception is owner-occupied 2–4 unit FHA — you live in one unit and rent the others.
What this actually means.
Pure investment property is generally a conventional, DSCR, or non-QM loan. The 2–4 unit FHA exception lets a primary buyer house-hack — occupy one unit, rent the rest — and still qualify with FHA's lower down payment.
Where this can move.
FHA program rules can change, lender overlays vary, and your specific file (credit, income, property, occupancy) drives the actual answer.
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Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review. Mortgage Expert, Inc. is not affiliated with HUD, FHA, or any government agency.