Duplexes: Listings, Agents and Financing

A duplex is one building with two homes. Here is how to find one.

Updated Oct 28, 2026. Edited by: Ilyass Ben Hakim.

Where to buy

Most duplexes sell through local agents and the MLS. Filter listing sites for multifamily or two unit homes. Some owners sell directly or through auctions.

Professional insight

Investors judge a duplex by its rents and expenses first. The kitchen finishes matter far less.

Ask for current leases and deposit records.
Check whether each unit has separate utility meters.
Confirm the zoning legally allows two units.
Inspect shared walls for fire separation.

Check the label

Listing states property type as duplex or two unit.
Unit count matches county property records.
Square footage and bedrooms given for each unit.
Rent roll or current rent for each side.
Year built, for lead paint and wiring checks.
Taxes, insurance and HOA fees if any.

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Types

Side by side

Two units share one middle wall. Each often has its own yard.

Up and down

One unit sits above the other. Noise between floors is common.

Converted house

A single home split later. Check permits closely.

Twin home

Each side sits on its own lot and sells separately.

Financing

If you live in one unit, owner occupant loans may apply. US FHA, VA and conventional loans cover two to four units.

Lenders may count part of the other unit's rent as income. Pure investment purchases usually need a larger down payment.

Ways to save

Duplex rent minus costs

Calculator

Enter your own monthly figures.

Monthly rent from the rented unit

Monthly mortgage, tax and insurance

Monthly repairs and vacancy reserve

Your monthly housing cost$1,150.00

Buying steps

1Get preapproved for a two unit loan.
2Hire an agent who handles small multifamily sales.
3Review leases, rents and utility bills.
4Order an inspection covering both units.
5Confirm zoning and permits before closing.

Common questions

Is a duplex the same as a townhouse?: No. A duplex is usually one property with two units on one lot.
Do tenants stay after I buy?: Usually yes. Existing leases normally transfer to the new owner.
Can I live in one side?: Yes. Many buyers do this to qualify for owner occupant loans.