# @raymiramontes_realestate on Instagram

- **Type:** Image
- **Original URL:** https://www.instagram.com/p/DYTM1CEl_lm
- **Gondola URL:** https://gondola.cc/posts/65357894-raymiramontes-realestate-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/2d37285e4d.jpg
- **Posted:** 2026-05-14T01:06:07.000+00:00
- **Account Owner:** Ray Miramontes | CA Realtor (@raymiramontes_realestate) — https://gondola.cc/raymiramontes_realestate

## Caption

🏘 How Much Cash Do You Actually Need To Buy A Multi-Family? 💰

Everyone wants to own a duplex, triplex, or 4-unit — but most buyers have no idea what it really takes to close. The number changes A LOT depending on the loan you use.

Here's the breakdown on a $1M purchase:

✔ FHA (Owner-Occupied) — 3.5% down = $35K + ~$20K closing = $55K total ✔ Conventional (Owner-Occupied) — 5% down = $50K + ~$20K closing = $70K total ✔ DSCR (Pure Investment) — 20% down = $200K + ~$25K closing = $225K total

The big takeaway? If you're willing to live in one of the units, you can get into a multi-family for a fraction of what most people think. FHA on a 2–4 unit is one of the most powerful wealth-building plays in real estate — your tenants help pay the mortgage while you build equity.

Thinking about house hacking your first multi-unit? Let's run your actual numbers before you start shopping 📲 562-600-9793 | raymiramontes_realestate

#multifamilyinvesting #houseHacking #fhaloan #dscrloan #realestateinvesting #firsttimeinvestor #longbeachrealestate #socalrealestate #ownerOccupied #duplexliving #triplex #fourplex #rentalproperty #wealthbuilding #passiveincome #realestatetips #miragroup

## Stats

- **Views:** 0
- **Likes:** 545
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- **Comments:** 9

## Tags

passiveincome, wealthbuilding, socalrealestate, triplex, miragroup, fourplex, multifamilyinvesting, realestatetips, househacking, duplexliving, dscrloan, rentalproperty, fhaloan, realestateinvesting, longbeachrealestate, firsttimeinvestor, owneroccupied

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