The asset class
Small buildings, serious math.
Duplexes, triplexes, and small multifamily are the workhorses of Florida's rental market: more units than a single-family home, more manageable than an apartment building, and financing that rewards owner-occupancy with better terms and lower down payments.
The strategy is simple and powerful: live in one unit, rent the others, and let the rents carry the mortgage. The discipline is in the underwriting: real rents per unit, real costs per door, and the condition of the building priced honestly.
- Owner-occupied financing with lower down payment options
- Per-unit economics modeled on every candidate
- Condition and deferred maintenance priced into the offer
The strategies
Three ways to work the asset.
Owner-occupied
Live in one unit, rent the rest. The rents offset your housing cost, and owner-occupied financing can mean a lower down payment and better rate.
Pure rental
Acquire and rent all units for cash flow, with the building's income statement underwritten door by door.
Value-add
Buy below the market's potential, improve units and rents, and reposition the asset for resale or refinance.
Questions investors ask
Multifamily, explained.
Is a duplex a good first investment property?
For many buyers, yes. A duplex lets you live in one side while the other side's rent offsets the mortgage, and owner-occupied financing can reduce the down payment. The key is underwriting the rental side at realistic market rents, which is where we start.
What should I check before buying a small multifamily in Florida?
Leases and rent rolls, unit condition, roof and systems age, insurance costs, zoning and rental rules, and the building's actual expenses. We verify each of these on every candidate before you make an offer.
How does owner-occupied financing work for a duplex?
Loans for owner-occupied two-to-four-unit properties can offer down payments as low as 3% to 5%, similar to single-family programs, because you live in one unit. We connect you with lenders who underwrite these loans regularly.
Multifamily search
Find the building that fits.
Tell us the unit count, markets, and whether you plan to live in one unit. We will respond with candidates and the per-unit economics on each.
Duplexes through mid-size multifamily
Rent rolls and expenses verified
Start the multifamily search
No obligation, complete discretion.