2-4 Unit Property Financing Just Got Better! Recent guideline changes now allow for a 95% LTV when buying a 2-4 unit property as an occupant of one of the units. Previously, the maximum LTV was 75%, so this change means a lot less of an investment on the homeowner’s part! If you are interested in purchasing a 2-4 unit property where you can live in one unit and rent out the others, let’s talk!