what loans need self sufficient test
FHA loans can be great for first time home buyers and owner-occupied two unit buildings but what about three and four unit buildings? FHA Loans are a good option on three and. A Large Four Unit Building in Chicago. four unit buildings but they must pass the self-sufficiency test. The self sufficiency test states that the maximum mortgage is limited so that the ratio of the monthly mortgage payment, divided by the monthly net rental income, does not exceed 100 percent.