Can I Use an FHA Loan to Purchase a Rental Property?
Updated 21 days ago (March 6, 2026)
FHA loans are intended to support the purchase of your primary residence, and so you must live on the property for at least 12 months after you purchase the home. However, after that year, you may change how you use the property, including converting the home into a rental property. Some investors have been known to take advantage of the low down payments FHA Loans offer to buy multiple properties over the course of several years. The caveat is that each new property must serve as your primary residence for 12 months.
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