1-877- 292-7350 jhurst@hurstlending.com

Low Downpayment Investor Loans

Purchase a duplex, triplex, 4plex and live in one side.

Low Down Payment Investor Loans

The best way to obtain a low down payment investment property loan is to purchase a duplex, tri-plex or 4-plex and occupy one of the units as a primary residence.  If you live in one side of a multi-family unit, you can then get FHA loan with just 3.5% down or a VA loan with 0% down.  Also, as of October 2023 the maximum allowable loan-to-value (LTV) and combined loan-to-value (CLTV) ratios conventional investment property  loans has been raised to 95% (previously 85% for duplexes and 75% for 3 and 4 unit properties).  This change was made to lower barriers to entry for buyers, support for affordable rental housing, and provide additional income generation opportunities for home buyers.

The key to obtaining such a low down payment is to live in one of the units and rent out the rest.  This is a great model to build up a real estate portfolio when you are early in your life or are moving around with the military.

If you don’t want to live in one side of a multifamily unit, then you will need at least a 15% or 20% down payment.  Please visit our 15% down payment investor loan page or our traditional 20% down real estate investment loan page for details on these programs.

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I’ve worked with Jay Hurst on several loans.  Jay is extremely knowledgeable and helpful, and was able to advise me on the options for my recent purchase. Great guy to have on your side, and great rates!

Kevin B.

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Hurst Lending was very easy to work with and stayed in constant contact with me throughout the loan process so I never had to wonder what the status of the loan was.

Naomi R.


Hurst Lending
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Why Use Our Services?

Make a Smart Move


Buy Rental Properties with 0% to 3.5% Down

Avoid Tying up Unnecessary Capital

Build Your Real Estate Portfolio Faster

Fixed Rates for up to 30 Years

Just Live in One Side of a Multi-Family Property


FREE Personalized Advice & Guidance

Real Estate Investor Rewards Program

Quick Decisions

Quick Closing

“Football’s hard.
Real Estate Investing doesn’t have to be.”


Dat Nguyen, Hurst Lending Investor
Former Pro Football Player & Coach


Call 1-877-405-3465

We Also Offer Other Investor Loans



We secure real estate investor loans.

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Loans for your 1-4 family rental property.

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Low rate loan for your properties.

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Access the equity your properties.

About Hurst Lending's Real Estate Investing Services

Our founders started out as residential real estate investors and they learned how to leverage their borrowing capacity to build a high-quality real estate portfolio over time.  Along the way they built Hurst Lending and created a deep suite of loan products to address needs they had as real estate investors.  Our loan products help investors: (1) grow their portfolios, (2) access their equity with no seasoning period or obtain an investment property HELOC, and (3) acquire properties without high-cost hard money loans.

We also love working with new investors (who have solid w-2 jobs) to help them start investing in real estate.  People with w-2 jobs are able to access low-cost long-term fixed-rate financing and this is the best way to grow your portfolio over time.  The main thing that holds people back is the uncertainty about being a landlord and not having the tools to get started.  We solve this issue by offering our mortgage clients access to our real estate investing experts and providing our clients the same suite of tools, contacts, and contractors used by our founders for their own investment properties (at no extra cost).*  If you are interested in growing your portfolio or getting started investing in Real Estate, click the get started button below or feel free to reach out to Scott Bialek, one of our founders, at sbialek@hurstlending.com.  He loves helping real estate investors grow their portfolios.

*Some services are only available in limited locations and offers may be changed at any time.

Over $1 Billion in Loans Funded

And we're just getting started!

We're Expanding

Offering loans in Alabama, Colorado, Florida, Georgia, Idaho, Iowa, Louisiana, Oklahoma, Oregon, Pennsylvania, Virginia, Texas and Washington.

Latest Blog Posts

Winning A Competitive Real Estate Investment Edge – Part II

Winning A Competitive Real Estate Investment Edge – Part II

How to Save & Make Money Buying a “Fixer Upper” as an Investment Property By Scott Bialek, Co-Founder of Hurst Lending In my fist blog of this 3-part series, I shared a case study in which a bridge loan was the key to not only winning an edge over other buyers,...

Winning A Competitive Real Estate Investment Edge – Part I

Winning A Competitive Real Estate Investment Edge – Part I

Using a Bridge Loan to Win a Competitive Edge by Scott Bialek, Co-Founder of Hurst Lending People say I’m a problem solver because I’m constantly looking for ways to help real estate investors (myself included!) be more successful and overcome common stumbling...