Financing a multi-unit is now easier, but, at least in some ways, it is now almost an ‘art.' Credit score (your ‘FICO') as well as your intent to occupy will influence rates a lot, but it may not be necessary to have a big down payment to get a reasonable rate, especially if you have ‘fully documented' (as opposed to ‘stated') income. For certain, we think you should avoid an ARM (Adjustable Rate Mortgages) with a low INTRODUCTORY rate and then virtually no cap on how high the rates can go.

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