Duplex Mortgage Rates for Feb 24, 2026
Compare duplex mortgage rates for 2-unit properties. Live in one unit, rent the other. See today's offers below. Want a personalized quote? Connect with a licensed broker.
See if I qualify and get my quote
Not sure which loan fits your duplex?
Talk with a licensed broker about conventional, FHA, or VA options. Get a personalized quote with no obligation.
Connect with a brokerNMLS-licensed lenders Fast approval—most in 24 hours No obligation • No credit impact
Powered by Mortgage Research Center, NMLS #1907 — Trusted since 2002
About duplex mortgages
A duplex is a 2-unit property. Many buyers live in one unit and rent the other to offset the mortgage. Owner-occupied duplexes often qualify for FHA (3.5% down) and VA (0% down) loans. Conventional loans typically require 5-15% down for owner-occupancy. Compare rates above and connect with a broker to find the best fit.
Duplex advantages
- ✓Rental income offset your mortgage with tenant rent
- ✓Live for less owner-occupied rates, rent helps pay
- ✓Build equity in two units with one loan
- ✓FHA/VA eligible with owner-occupancy
Things to consider
- •Higher down payment often 15-25% for investment
- •Landlord duties maintenance, tenants, vacancies
- •Stricter underwriting rental income may be required
- •Rates can be higher than single-family primary