Best answer


Yes, you can rent your home even if it is a USDA mortgage. However, beware, if there is a deficiency on the transaction, the USDA will still legally be able to pursue any deficiency.

People also ask


  • Can I rent out my USDA home?

  • The USDA is strict about the types of homes considered for the loan process. This goes back to the purpose of the USDA loan in general: to help families own a home. In order for a home to be USDA eligible, it needs to be a single family home that not meant to produce income. This also means that you can rent out any part of your USDA home.

  • What is a USDA home loan?

  • A USDA home loan is a mortgage either made or guaranteed by the United States Department of Agriculture’s Rural Housing Service agency to help households with very low to moderate incomes purchase safe and affordable homes in rural areas.

  • Can you get a USDA loan on an existing dwelling?

  • USDA Loan for Existing Dwelling Any home that is more than 12 months old is classified as an existing dwelling. To finance an existing home with a USDA loan, you must have a state-licensed inspector conduct an inspection of the entire home.

  • What makes a home USDA eligible?

  • In order for a home to be USDA eligible, it needs to be a single family home that not meant to produce income. This also means that you can rent out any part of your USDA home.