Common financing options include: Conventional loans: Conventional loans are the most common financing option. They usually require a high score and the largest down payment and offer competitive rates. FHA loans: Although FHA loans are primarily used for primary residences, there are some multi-unit properties where the owner can occupy and finance one unit. Portfolio loans: These are extended by individual lenders who retain ownership of the loan in their portfolio instead of immediately selling it on the secondary market. This can sometimes give more flexibility with the terms. Hard money loans: These loans can be used for immediate purchases and rehabs, and they usually carry higher rates.