New American Funding Review for Multi-Unit Owner-Occupied Purchase (2-4 Units)

The research in brief

New American Funding is a good, but not fully verified, fit for an owner-occupied duplex, triplex, or fourplex. Two of the seven platforms in this study named it during the ranking stage, and it finished ninth overall. Its strongest asset is that its own public materials directly address buying a multifamily property while living in one unit and renting the others, and it publicly offers FHA, conventional, and VA programs that can apply to 2-4 unit primary residences ^[12]. The main limitation is disclosure: New American Funding does not publish its multi-unit reserve overlays, rental-income calculation method, or property-specific pricing, so every critical term must be confirmed in writing before the buyer commits.

Research Snapshot

Why New American Funding Qualified for This Study

Questions explored

• Is New American Funding a good choice for an owner-occupied multi-unit purchase?
• Why did only two of the seven AI platforms name New American Funding for a 2-4 unit house hack?

New American Funding qualified because it cleared the study's minimum-mention threshold and because its own published content speaks directly to the use case. Two of the seven platforms named it during ranking discovery, giving it a 28.6% share of included platform responses, an average listed rank of 4.0, and a best rank of 3 (DeepSeek). It finished ninth in the final ordering.

The qualification rests on company-owned evidence rather than independent testing. New American Funding's learning-center articles describe buying a multifamily property while living in one unit and renting the others, and discuss FHA and conventional financing for that structure ^[12]. Its FHA page states FHA loans can be used for multi-unit properties with primary-residence occupancy ^[17], and its loan-programs page indicates FHA, VA, and conventional programs can apply to 2-4 unit properties ^[4].

That evidence is marketing material, not an underwriting commitment. The company's public multifamily pages do not clearly document a current, nationwide menu covering FHA 203(b), conventional, and VA 2-4 unit purchases, and the ranking-stage identity note flagged the reported domain as unverified. The official-site retrieval also failed during this study, so the domain is treated as the claimed official site rather than independently confirmed identity evidence.

The mortgage offering in focus

Questions explored

• Which New American Funding loan program should a buyer choose for an owner-occupied duplex, triplex, or fourplex?
• Does New American Funding offer FHA 203(b), conventional, and VA financing for a 2-4 unit primary residence?

The relevant offering is New American Funding's Multi-Unit Owner-Occupied Mortgage Programs: FHA 203(b) for 2-4 units, conventional 2-4 unit purchase, and VA 2-4 unit purchase, all subject to New American Funding underwriting and product availability. Platforms described this bundle in nearly identical terms (ChatGPT, Claude, DeepSeek, Grok, Kimi, Perplexity), with Gemini adding Non-QM as a fourth pathway for self-employed buyers ^[41].

The three core programs map to different buyer profiles. FHA is the low-down-payment path: FHA financing is available on owner-occupied 1-4 unit properties with down payment potentially as low as 3.5% for qualifying borrowers ^[10], and New American Funding accepts FHA credit scores of 580 ^[44]. Conventional is the agency path: Freddie Mac permits 2-4 unit owner-occupied primary residences and allows rental income from the other units in qualification ^[5], and New American Funding's public article states conventional financing can be used for owner-occupied two- to four-unit properties ^[12]. VA is the zero-down path for eligible veterans: VA permits one veteran to purchase up to a four-unit property and requires occupancy of one unit ^[1], and New American Funding offers VA loans generally ^[18].

The Non-QM pathway is the least documented. One platform reported that New American Funding offers Non-QM options using bank statements and asset depletion for non-traditional or self-employed borrowers ^[41], and the company separately positions DSCR loans for non-owner-occupied 2-4 unit investment properties ^[16]. Whether Non-QM or DSCR execution extends to owner-occupied 2-4 unit purchases is not established by the supplied evidence.

What the AI Platforms Agreed About

Questions explored

• What do AI platforms agree New American Funding offers for owner-occupied multi-unit purchase?
• Is New American Funding's FHA multi-unit program widely recognized by AI research platforms?

Agreement was strong on program breadth and limited on everything else. Six of the seven platforms (ChatGPT, Claude, DeepSeek, Grok, Kimi, Perplexity) agreed that New American Funding publicly offers FHA, conventional, and VA programs that can apply to owner-occupied 2-4 unit purchases ^[12]. Google reached the same conclusion and added Non-QM ^[41].

Platforms also agreed on the low-down-payment framing. FHA at 3.5% down, conventional starting at 3-5%, and VA at 0% for eligible veterans appeared across multiple platform responses ^[15]. These are program rules rather than lender-specific commitments, and the platforms generally presented them that way.

A third area of agreement was FHA depth. One platform cited independent data that 36% of New American Funding's 2024 purchase loans were FHA loans, and that NerdWallet rates the company a major FHA lender by volume with a strong variety of FHA loan types ^[47]. That is the strongest independent signal in the evidence set that the company has real FHA volume, though it speaks to FHA generally rather than multi-unit FHA specifically.

Agreement among platforms is not evidence of product quality. It reflects that the same public marketing pages were retrievable and consistent.

Where the AI Platforms Disagreed or Were Uncertain

Questions explored

• Why do AI platforms disagree about whether New American Funding is a good fit for a 2-4 unit owner-occupied purchase?
• What multi-unit underwriting details does New American Funding not publish?

Fit ratings diverged. Five platforms rated New American Funding a good fit (ChatGPT, Claude, Gemini, Grok, Perplexity), one rated it mixed (DeepSeek), and one rated it uncertain (Kimi). The split tracks how much each platform was willing to infer from marketing pages.

The sharpest disagreement concerns rental-income treatment. Google reported that New American Funding permits counting 75% of projected rental income from non-occupied units to help qualify ^[27]. OpenAI, Claude, DeepSeek, Kimi, and Perplexity all reported that the lender's specific rental-income methodology is not published. Fannie Mae permits rental income from a 2-4 unit principal residence subject to documentation requirements ^[2], and the calculation is not simply gross advertised rent ^[6], but that is agency policy, not a statement of New American Funding's overlays.

Reserve requirements are similarly unresolved. Fannie Mae's 2026 guidance identifies six months of reserves for a 2-4 unit principal-residence transaction under DU ^[7]. One platform reported FHA multi-unit loans require a minimum three months' PITIA in verified liquid assets with reserves that cannot come from gift funds ^[34], and another reported VA multi-family files often trigger three to six months of PITI in verified liquid assets ^[33]. VA guidance itself requires six months of mortgage-payment reserves where qualifying depends on prospective rent ^[8]. No platform found New American Funding's own reserve policy.

Pricing produced a direct conflict. NerdWallet rated the company's FHA rates and origination fees "on the high side" ^[45], while a 2023 Forbes review noted conventional rates "consistently lower than or on par with" the Freddie Mac national average ^[40]. One platform reported standard origination and lender fees of roughly $1,000 to $1,500 (Gemini), and another reported no verified multi-unit pricing at all (DeepSeek). These claims are not reconcilable from the supplied evidence.

Customer-satisfaction signals are mixed. One platform cited an "excellent" Trustpilot rating across more than 2,200 reviews alongside a below-average J.D. Power 2025 origination satisfaction score and an above-average servicer score ^[23], plus 128 CFPB mortgage-related complaints in 2025 about parent company Broker Solutions ^[23]. Another platform cited below-average J.D. Power scores for New American Funding in a VA lender comparison ^[21].

One platform's research date was 2026-01-15, roughly eight months before the study date, and that platform's response was produced without search enabled (DeepSeek). Its findings should be read as the least current in the set.

Mortgage features for this borrowing need

Questions explored

• Does New American Funding count projected rental income from the other units toward mortgage qualification?
• How do FHA self-sufficiency rules and 2026 loan limits affect a New American Funding 3-4 unit purchase?

The capability most relevant to this use case is rental-income qualification, and it is the least documented. Agency rules allow the structure: Freddie Mac permits rental income from other units in a 2-4 unit owner-occupied property to be considered in housing-expense and debt-to-income calculations ^[5], and Fannie Mae permits it with required documentation including an applicable rent schedule or appraisal form and, where relevant, executed leases ^[2]. One platform reported that New American Funding uses 75% of projected rent from non-occupied units ^[27]. The other six platforms did not confirm a lender-specific figure.

FHA self-sufficiency is a hard constraint on 3-4 unit deals. One platform reported that FHA requires a self-sufficiency test on 3-4 unit properties where net rental income must cover monthly PITIA, and that the test does not apply to duplexes ^[36]. Another reported the same test using 75% of all rents against the PITI payment ^[29]. A third described it as rent covering the entire mortgage ^[13]. The rule is consistent across sources; the practical calculation is not.

Loan limits are published and current. For FHA case numbers assigned on or after January 1, 2026, national low-cost-area floors are $693,050 for two units, $837,700 for three units, and $1,041,125 for four units, with high-cost-area ceilings of $1,599,375, $1,933,200, and $2,402,625 respectively ^[9]. Actual county limits may be lower or intermediate. One platform cited older 2025 figures of $671,200, $811,275, and $1,008,300 for most areas ^[15]; those are superseded by the 2026 limits for case numbers assigned on or after January 1, 2026.

Property complexity is a real factor. Multi-unit FHA loans require additional appraisal scrutiny, habitability verification for all units, and structured documentation ^[36]. One platform reported that New American Funding advertises "1-5 day funding" while multi-unit files typically require 30-45 days for dual appraisals, habitability certification, and reserve verification, and that it is unclear whether the advertised timeline applies to multi-unit properties (Claude).

Geographic reach is broad. New American Funding is licensed in all 50 states and Washington D.C. with 270+ branches in 43 states ^[37], and another source describes more than 300 brick-and-mortar locations with underwriting in all 50 states, Washington, D.C., and Puerto Rico ^[40].

Rates, fees, and ongoing costs

Questions explored

• How much does a New American Funding multi-unit mortgage cost per month, and what fees apply?
• Is New American Funding more expensive than other FHA lenders for a 2-4 unit owner-occupied loan?

No reliable public, property-specific pricing was verified for this use case. Every platform that addressed pricing assigned low confidence, and the two independent cost signals conflict.

Contract terms are largely unverified. No prepayment penalties were stated by any platform, and one platform reported a refinance fee waiver: if a buyer closes a mortgage with New American Funding, lender and appraisal fees are waived on subsequent refinances within five years of the original loan (Gemini). That is a platform-reported term and should be confirmed in writing. No property-specific lock, cancellation, rate-lock extension, or commitment terms were verified.

The practical implication is that cost comparison is impossible without a written Loan Estimate. Rates, discount points, lender credits, mortgage insurance, VA funding-fee treatment, and total cash to close must be obtained in writing and compared against competing lenders.

Best Suited For

Questions explored

• Who is New American Funding best suited for in an owner-occupied multi-unit purchase?
• Is New American Funding a good fit for a veteran buying a duplex or fourplex with no down payment?

New American Funding is best suited to buyers who want one national lender covering multiple program types and who are willing to verify multi-unit specifics directly. The strongest fits from the evidence:

• Borrowers seeking a national lender that publicly discusses owner-occupied multifamily or house-hack purchases ^[12].
• FHA borrowers prioritizing a potentially low down payment who will occupy one unit ^[10].
• Conventional borrowers whose property and finances satisfy agency rental-income and reserve rules ^[5].
• Veteran borrowers if New American Funding confirms current VA 2-4 unit origination in the subject state ^[1].
• First-time buyers using down payment assistance; one platform reported a Pathway to Homeownership program providing up to $6,000 for qualifying first-time homebuyers ^[44].
• Self-employed buyers who need alternative documentation, if the Non-QM pathway is confirmed for owner-occupied 2-4 units ^[41].

The common thread is a buyer who treats the public materials as a starting point and expects to negotiate and verify the actual terms.

Probably Not Best Suited For

Questions explored

• Who should not choose New American Funding for an owner-occupied multi-unit purchase?
• Is New American Funding a bad choice for a buyer who needs published multi-unit underwriting guidelines before applying?

Several buyer profiles are poor matches on the supplied evidence:

• Borrowers needing guaranteed access to a specialized 2-4 unit program, because current product availability and overlays are not clearly published (ChatGPT).
• Borrowers needing the lowest verified rate or lowest total cost without comparing written Loan Estimates ^[45].
• Buyers who require transparent, published multi-unit guidelines and pricing before contacting a lender (DeepSeek, Kimi).
• Buyers needing rapid 15-day closings, since multi-unit files typically require additional documentation and reserve verification (Claude).
• Borrowers whose property exceeds applicable FHA, conforming, or lender-specific limits (ChatGPT).
• Borrowers unable to document reserves, landlord capability, rental-market support, or acceptable property condition (ChatGPT).
• Buyers who want the lender with the most explicit public 2-4 unit underwriting detail (Perplexity).
• Investors buying non-owner-occupied 2-4 unit properties, since the cited public materials emphasize owner-occupied FHA and VA use and separate DSCR products for non-owner-occupied investment properties ^[16].

When Another Option May Be Better

Questions explored

• What is a better alternative to New American Funding for a buyer who needs documented multi-unit underwriting expertise?
• When should a buyer choose a local credit union or VA-specialist lender instead of New American Funding?

Platforms identified several situations where a different lender is the better call. A local credit union or mortgage broker may be better when the buyer needs documented experience in unusual 3-4 unit properties, local appraisal conditions, or state-specific overlays (ChatGPT). A VA-specialist lender may be better when the buyer relies on VA eligibility and prospective rent, because VA underwriting and reserve documentation are central to approval (ChatGPT). A lender with published conventional 2-4 unit matrices may be better when reserve requirements, rental-income treatment, or unit-count pricing are decisive (ChatGPT).

Cost-sensitive conventional borrowers with strong credit may find better economics elsewhere. One platform noted that conventional alternatives with 5% down and lower fees may beat FHA with lifetime mortgage insurance for that profile (Claude). Another noted that conventional lenders with 3-5% down programs and no multi-unit rate penalty may be more cost-effective than FHA for non-veterans with strong income (Claude).

Buyers who need published multi-unit underwriting rules before applying should look at lenders with detailed online resources or specialized multi-unit lenders (DeepSeek). Buyers who need transparent, real-time online rate quotes may prefer online-first lenders, since New American Funding requires contact with a loan officer (Claude). Buyers who need expedited closing may prefer portfolio lenders with simplified multi-unit workflows (Claude). Veterans who want a VA-focused lender may prefer Veterans United or another VA specialist to confirm multi-unit workflow efficiency (Claude).

Questions to ask before choosing a lender

Questions explored

• What should a buyer confirm with New American Funding before signing a multi-unit mortgage contract?
• Which New American Funding multi-unit terms must be verified in writing before making an offer?

The verification list below consolidates the open items across all seven platform responses. Every item is unresolved in the public evidence.

• Will New American Funding originate an owner-occupied duplex, triplex, or fourplex in the property's state and county (ChatGPT)?
• Which exact products are available: FHA 203(b), conventional, VA, or all three (ChatGPT)?
• What minimum down payment, credit score, debt-to-income ratio, and reserve requirements apply for each unit count (ChatGPT)?
• How much prospective rent will be counted, what vacancy or expense adjustments apply, and which appraisal forms or leases are required ^[13]?
• For FHA, what is the county-specific 2026 loan limit, and does the property meet FHA self-sufficiency and condition requirements ^[9]?
• For conventional financing, will underwriting use Fannie Mae or Freddie Mac rules, and are there lender overlays beyond agency requirements (ChatGPT)?
• For VA, does the lender currently close 2-4 unit purchases, what landlord-experience evidence is required, and how will the six-month reserve test be applied ^[8]?
• What are the interest rate, points, lender credits, mortgage insurance or funding-fee costs, appraisal fee, underwriting fee, and estimated cash to close (ChatGPT)?
• Are there unit-count pricing adjustments, reserve overlays, prepayment restrictions, or lock-extension fees (ChatGPT)?
• Can the lender provide a written Loan Estimate and a side-by-side comparison of FHA, conventional, and VA options before the buyer makes an offer (ChatGPT)?
• Does New American Funding offer 5% down on owner-occupied duplexes under Freddie Mac Home Possible, and what are the exact down payment requirements for 3-4 unit conventional purchases (Claude)?
• What is the typical underwriting timeline for multi-unit FHA and conventional loans, and is the advertised "1-5 day funding" realistic for multi-unit (Claude)?
• Does the lender require prior landlord experience or a property management plan to credit projected rental income (Claude)?
• What is the rate difference for multi-unit properties compared to single-family owner-occupied in the same program (Claude)?
• Does the lender require all units to pass VA Minimum Property Requirements, and what is the multi-unit VA appraisal cost (Claude)?
• What is the lender's policy on using appraiser market-rent estimates versus current leases to qualify vacant units (Claude)?
• What percentage of appraised market rent or lease amount is used for qualifying rental income on each program (Kimi)?
• What appraisal forms are used, and who are the approved appraisers (Kimi)?
• Can title vest in an LLC or other entity for any of these programs (Kimi)?
• Does my target 3-4 unit property pass the FHA self-sufficiency test under current underwriting guidelines ^[29]?

The consensus assessment

Good fit, with material verification required. New American Funding is worth including in a multi-lender comparison because its public materials directly address owner-occupied multifamily purchases and the relevant FHA and conventional structures, and because five of seven platforms rated it a good fit. It should not be selected solely on public marketing.

The consensus case is program breadth plus FHA depth. The company publicly offers FHA, conventional, and VA pathways that can apply to 2-4 unit owner-occupied purchases, publishes FHA multi-unit loan limits, and has independent evidence of substantial FHA volume ^[47]. The consensus caution is disclosure: rental-income treatment, reserve overlays, multi-unit down payment tiers, underwriting timelines, and pricing are not published, and the two independent cost signals conflict.

The buyer's action is straightforward. Get a written Loan Estimate, ask the twenty verification questions above, and compare against at least two competing lenders before making an offer. For a broader view of how this lender stacks up against the full field, see the owner-occupied multi-unit purchase consensus index, and browse the full home purchase mortgage lenders directory for alternatives.

How This Review Was Produced

This review synthesizes seven AI platform responses collected for the research question: which providers would you recommend for a buyer purchasing a small multi-family property with two to four units, living in one unit, and renting the others. The study date is 2026-09-29.

Platforms evaluated fit for all entities. The platform-mention count in the Research Snapshot reflects only platforms that named New American Funding during ranking discovery, which is why two mentions appear against seven included platform responses. Fit ratings were good for ChatGPT, Claude, Gemini, Grok, and Perplexity; mixed for DeepSeek; and uncertain for Kimi.

Citations are platform-reported evidence, not independently verified facts. Company-owned sources are New American Funding's own pages; independent sources include agency guidelines, government pages, and third-party reviews. Where a platform supplied no citation for a factual claim, the claim is labeled platform-reported.

Research limitations

Several limitations apply. The official-site retrieval for New American Funding failed during this study, so the domain is treated as the claimed official site rather than independently confirmed identity evidence. The ranking-stage identity note also flagged the reported domain as unverified.

Platform-reported research dates differ from the authoritative run date. Six platforms reported 2026-09-29; DeepSeek reported 2026-01-15, roughly eight months earlier, and its response was produced without search enabled. Platform-reported dates are provenance metadata and do not independently prove freshness.

The supplied URLs were collected from platform responses and were not independently validated at the writing stage. Citations are platform-reported evidence, not independently verified facts. No-search model claims require explicit verification before being described as current facts.

Public marketing language may describe general agency possibilities rather than New American Funding's current underwriting overlays or approval policy. Exact down payment, reserve, rental-income, credit, property-condition, and pricing requirements for a specific buyer's file are unclear without a preapproval and property-specific underwriting. Agreement among AI platforms does not prove product quality; it reflects that the same public pages were retrievable and consistent.

See the broader Multi-Unit Owner-Occupied Purchase (2-4 Units) consensus index for comparisons across qualified options.

Sources

Company-Owned Sources

1. VA-Guaranteed Home: https://benefits.va.gov/homeloans/documents/docs/vap_26-4_online_version.pdf
2. Rental Income from the Subject Property: https://guide-selling.fanniemae.com/sel/b3-3.8-02/rental-income-subject-property
3. New American Funding - Official Website (unverified retrieval: https://newamericanfunding.com/
4. New American Funding - Loan Programs: https://newamericanfunding.com/loan-programs/
5. Mortgages for 2- to 4-unit Properties: https://sf.freddiemac.com/working-with-us/origination-underwriting/mortgage-products/mortgages-for-2-to-4-unit-properties
6. DU Job Aids: Entering Income from Rental Property: https://singlefamily.fanniemae.com/job-aid/new-desktop-underwriter/topic/du_job_aids_entering_income_from_rental_property.htm
7. Selling Guide - April 1, 2026: https://singlefamily.fanniemae.com/media/45176/display
8. Chapter 4 Credit Underwriting: https://www.benefits.va.gov/WARMS/docs/admin26/m26-07/Chapter_4.pdf
9. HUD’s Federal Housing Administration Announces 2026 Loan Limits: https://www.glb.hud.gov/news/hud-no-25-145
10. Loans: https://www.hud.gov/buying/loans
11. 2026 Nationwide Forward Mortgage Loan Limits: https://www.hud.gov/sites/dfiles/hudclips/documents/2025-23hsgml.pdf
12. Multifamily Housing: Buy a Home and Have Someone Else Help Pay Your Mortgage: https://www.newamericanfunding.com/learning-center/homebuyers/multifamily-housing-buy-a-home-and-have-someone-else-help-pay-your-mortgage/
13. Multifamily Housing Loans: The Smart Way to Buy a Home That Pays You Back: https://www.newamericanfunding.com/learning-center/homebuyers/multifamily-housing-loans-the-smart-way-to-buy-a-home-that-pays-you-back/
14. Conventional Loan: https://www.newamericanfunding.com/loan-types/conventional-loan/
15. FHA Loan | FHA Requirements and Rates | New American Funding: https://www.newamericanfunding.com/loan-types/fha-loan/
16. Ohio DSCR Loan - New American Funding: https://www.newamericanfunding.com/loan-types/non-qm-loan/dscr-loan/state/ohio/
17. FHA Loans - New American Funding: https://www.newamericanfunding.com/lpa/alt-solutions/fha/
18. VA Loans| New American Funding: https://www.newamericanfunding.com/lpa/alt-solutions/va/

Independent Sources

19. Financing 2–4 Unit Multifamily: How the Math Differs from a Single-Family Rental: https://4homes.com/blog/financing-2-4-unit-multifamily
20. Buying a 2-Flat or Multi-Unit in Illinois: https://lysinski.com/practices/real-estate/multi-family-purchase-illinois/
21. 8 Best VA Loan Lenders: https://money.com/
22. Multiunit Mortgage: How to Buy a Duplex, Triplex or Fourplex: https://money.usnews.com/loans/mortgages/articles/multifamily-mortgage-how-to-buy-a-duplex-triplex-or-fourplex
23. New American Funding Mortgage Review - US News Money: https://money.usnews.com/loans/mortgages/reviews/newamericanfunding-mortgage
24. FHA 2-4 Unit House Hacking: Finance a Duplex with 3.5% Down (2026: https://mortgage-info.com/blog/fha-multifamily-2-4-unit-house-hacking-financing-2026
25. How to Buy a Multi-Unit Property and Live in One Unit (2026 Guide: https://mortgagemayo.com/blog/buy-multi-unit-property-live-in-one-unit
26. General Rental Income Information | Fannie Mae - Selling Guide: https://selling-guide.fanniemae.com/sel/b3-3.8-01/rental-income
27. Financing a Multi-Generational Home: https://semiretiredmd.com/wp-content/uploads/2020/01/IMG_1195-1.jpeg
28. Multi-family Home Mortgage: How to Finance a Duplex: https://thelendersnetwork.com/multi-family-home-mortgage/
29. Number Crunch - Mortgage Calculator - The Marchand Team: https://themarchandteam.com/
30. Fannie Mae's 5% Down Multifamily Loan: What You Need to Know: https://themortgagereports.com/107690/fannie-mae-introduces-5-down-payment-option-for-multifamily-homes
31. Buying a Duplex-Triplex or Fourplex With an Owner-Occupied Mortgage: A Complete Guide to FHA, VA, Conventional, and Rental Income Rules: https://trustedamerican.com/buying-a-duplex-triplex-or-fourplex-with-an-owner-occupied-mortgage-a-complete-guide-to-fha-va-conventional-and-rental-income-rules/
32. New American Funding Reviews and Ratings: https://usa.inquirer.net/207987/new-american-funding-reviews
33. VA Multifamily Loan 2026: Duplex to Fourplex Requirements: https://valoannetwork.com/va-loan-to-buy-multi-family-home/
34. How to Qualify for a Multi-Unit FHA Loan - Dallas Home Loans: https://winningwithwade.com/multi-unit-fha-loan/
35. FHA Multifamily Loan Rules for 2-4 Unit Homes: https://www.360-mortgage.com/loan-programs/fha-loans/fha-multi-family-rules/
36. FHA Multifamily Loans: Complete 2026 Guide to Financing Multi-Unit Properties: https://www.amerisave.com/learn/fha-multifamily-loans-complete-guide-to-financing-multiunit-properties
37. New American Funding Overview | Bankrate: https://www.bankrate.com/mortgages/reviews/new-american-funding
38. New American Funding Mortgage Review: Harder-to-Find Loans and Low Prices: https://www.fool.com/money/mortgages/new-american-funding-mortgage-review/
39. New American Funding Mortgage Review: Pros, Cons & Verdict: https://www.forbes.com/
40. New American Funding Mortgage Review: Pros, Cons & Verdict – Forbes Advisor: https://www.forbes.com/advisor/mortgages/new-american-funding-mortgage-review/
41. New American Funding expands into non-QM lending: https://www.housingwire.com/
42. FHA Single Family Housing Policy Handbook 4000.1: https://www.hud.gov/program_offices/housing/sfh/handbook_4000-1
43. House Hacking California 2026: Buy 2-4 Units, 3.5% Down: https://www.iloanca.com/insights/house-hacking-california-2026/
44. New American Funding Mortgage Review 2026 | LendingTree: https://www.lendingtree.com/home/mortgage/new-american-funding-mortgage-review/
45. 10 Best FHA 203(k) Mortgage Lenders of April 2026: https://www.nerdwallet.com/mortgages/best/fha-203k-lenders
46. New American Funding Mortgage Review 2026 - NerdWallet: https://www.nerdwallet.com/mortgages/reviews/new-american-funding-mortgage-lender
47. New American Funding Mortgage Review 2026: https://www.nerdwallet.com/reviews/mortgages/new-american-funding-mortgage-lender
48. Down payment for multifamily home?: https://www.reddit.com/
49. How to Buy a Multifamily Property and What to Look For: https://www.sofi.com/learn/content/buying-a-multifamily-home/