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does 1/2 of a duplex qualify for usda loan

by creech486 from Ellijay, Georgia. Mar 28th 2018 Reply

William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,728 contributions

Your question is confusing.. specifically, what is your definition of a 1/2 of a duplex.. For the majority of the country, a duplex is one property, with 2 individual units. If this is what you are thinking about, then no.. you cannot buy half a property, and USDA will not allow you to purchase anything but a single family residence. However, in some area's of the country, there are properties that have 2 individual units, but they share a common wall. they are mistakenly called a duplex.. when in fact, its' just a single family home with a shared wall.. If this is your scenario, then yes.. it might qualify for USDA assuming it's in a USDA defined area. If you want to know for sure, you should contact a local mortgage professional and have him look up the property.. I'm a preferred Lender with California and Arizona being my primary markets. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 NMLS# 226347 / RPM Mortgage NMLS 1541014 / AZMB0121893

Mar 28th 2018
Barry Elam (
#44 ranked lender in Georgia - 6 contributions

No, It must be a single family residence. I am a local lender that can get USDA loansdone fast in Georgia. Call me at 470-253-8288. Barry Elam, Harbor MortgageCumming, GA.

Mar 29th 2018
Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 4,747 contributions

I assume you are asking if you can use the rent on a duplex to help qualify. On most loans, the answer is YES. But on a USDA loan, the answer is no. USDA does not allow you to purchase any property that is income producing in any way. So this means no rental duplex, no crops, no farming land, no mother-in-law apartments, etc. For USDA loans in MN, WI, or SD, visit me at

Apr 3rd 2018
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