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    <description>2026 FHA and conforming loan limits for 2-4 units in every county, plus owner-occupant math: down payment, MIP, PITI and the FHA self-sufficiency test.</description>
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      <title>The FHA self-sufficiency test, worked step by step</title>
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      <pubDate>Sat, 24 Oct 2026 00:00:00 GMT</pubDate>
      <description>FHA's self-sufficiency test for triplexes and fourplexes: the handbook's exact rule, a worked example that fails, and four changes to try.</description>
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      <title>FHA, VA or conventional for a 2-4 unit you'll live in</title>
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      <description>How FHA, VA and conventional loans differ on a 2-4 unit home you live in: down payment, county limits, mortgage insurance, rent that counts and reserves.</description>
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