Why Your Income Isn't Enough To Buy A Multi-Family Property

August 4, 2026

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David Ghazaryan

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TL;DR

The FHA self-sufficiency test is a critical requirement for financing certain multi-family homes. Here is a summary of what you need to know:

The test verifies that a property's projected rental income can fully cover its monthly mortgage payment (PITI).
It is mandatory for FHA loans on three-unit (triplex) and four-unit (fourplex) properties, but duplexes are exempt.
Understanding this calculation is essential for investors to avoid loan denials on properties that cannot financially support themselves according to FHA standards.
The 75% rental income rule is the industry standard for passing this specific lender test.

Read the full blog article here: https://www.iqratemortgages.com/blog/fha-self-sufficiency-test-in-nevada-a-complete-guide

Video Transcript:

Your income can be perfect, but the house itself fails. I, David Ghazaryan, structure deals that pass this key test. The property’s rent must cover its bills using only 75%. This rule makes two-unit properties much easier to finance. A failure means the property is denied, not your ability. My analysis is on my platforms. See links in description.

Read Blog Here: https://www.iqratemortgages.com/blog/fha-self-sufficiency-test-in-nevada-a-complete-guide

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