FHA Self-Sufficiency Test (3–4 units)

Check if a property will pass the mandatory FHA Self-Sufficiency Test that is required for all FHA loans backing a 3-4 unit property. (These estimates rely heavily on the accuracy of the information you input into the tool. Your actual eligibility, rates, and loan options may differ based on your individual financial profile and lender requirements.)

Inputs

Occupancy Property Type Loan Type Purchase Price ($ total) Down Payment (%) Interest Rate (%) Term (years)

Property Taxes ($ per year) Homeowners Insurance Premium ($ per year) Flood Insurance Premium ($ per year) HOA Dues ($ per year)

Monthly Rental Income ($ per month)

Results

Base Loan Amount : —

Total Loan Amount : —

P&I : —

MIP : —

Taxes : —

Insurance : —

Flood : —

HOA : —

Housing Expense : —

Allowable Rent : —

Self-Sufficiency Ratio (Rent / Housing Expense) : —

PASS / FAIL : —

Disclaimer: This mortgage calculator provides estimates only and is not a guarantee of loan approval or terms. Your actual eligibility, rates, and loan options may differ based on your individual financial profile and lender requirements. To get a personalized assessment, please reach out to a licensed loan officer who can review your qualifications.

Don't just estimate, consult a licensed loan officer to get a real pre-approval.