FHA Self‑Sufficiency Test (3–4 Units): How It Works

The FHA Self‑Sufficiency Test applies to 3–4 unit properties. FHA requires that the property's allowable rental income can fully cover the monthly housing expense.

Key Concepts

• Allowable Rent: Usually 75% of gross rent (subject to program rules).
• Housing Expense: P&I + MIP + Taxes + Insurance + HOA + Flood.
• Pass/Fail: If Allowable Rent ≥ Housing Expense, the test passes.

Tips to Pass

• Use realistic but well‑documented rents (leases or appraiser’s market rent)
• Consider a rate buydown to reduce P&I
• Lower escrow costs by shopping insurance

Calculate your result instantly with our FHA Self‑Sufficiency Calculator.

Try the tools: DSCR Calculator · FHA Self‑Sufficiency · Schedule E · Home Purchase