2–4 Unit Property HELOC: Eligibility and Credit Requirements by Program
Two-to-four unit properties — duplexes, triplexes, and fourplexes — are eligible under most of the five digital HELOC programs, but credit requirements and CLTV limits are generally more restrictive than single-family. Here is how each program currently handles them.
Program-by-Program Eligibility
NFTYDoor generally supports 2–4 unit properties. Specific credit and CLTV requirements for multi-unit should be confirmed for current execution, as they may differ from single-family primary residence terms.
HELIX generally accepts 2–4 unit properties with a minimum credit score of approximately 640. Multi-unit properties are treated as investment property for CLTV purposes when the borrower does not occupy one of the units.
Aven generally supports 2–4 unit properties. Specific credit and CLTV requirements should be confirmed for current execution.
Figure generally supports 2–4 unit properties. Occupancy type (owner-occupied vs. investment) affects the applicable CLTV and credit requirements.
Deephaven generally supports 2–4 unit properties. Multi-unit investment properties may qualify under full-doc, bank-statement, or DSCR income methods. LLC vesting is accepted for eligible investment properties including multi-unit.
Key Considerations
Owner-occupied vs. investment
If the borrower occupies one unit of a 2–4 unit property, it is generally treated as owner-occupied for CLTV purposes. If the borrower does not occupy any unit, it is treated as investment property with lower CLTV limits.
Rental income counting
How rental income from the other units is counted toward DTI varies by program. Some programs use a percentage of market rent; others require lease documentation.
AVM performance
AVM accuracy for 2–4 unit properties can vary more than for single-family homes. Programs may require a full appraisal at lower thresholds for multi-unit properties.
Related guides
See Which Programs Fit Your Situation
Morgan Hardy shops all five programs. Send him the basics once and he'll identify which are relevant for your property, income, and situation.
Shop My HELOC OptionsProgram information last reviewed: August 2026
HELOC guidelines change frequently. Multi-unit eligibility, credit requirements, and program availability may change without notice. This information is educational and is not a loan approval, commitment or guarantee.