看来Duplex自住的话不可以用此房抵押。若纯出租房就无妨。

网上看到的：'Lastly, Texas cash-out refinance loan rules only apply to your primary residence. In other words, investment properties or second homes are not bound by these rules.'

另外，请参见此链接

https://selling-guide.fanniemae.com/Selling-Guide/Origination-thru-Closing/Subpart-B5-Unique-Eligibility-Underwriting-Considerations/Chapter-B5-4-Property-Specific-Products/Section-B5-4-1-General-Reqs-of-Texas-Section-50-a-6-Loans/1032996631/B5-4-1-02-Texas-Section-50-a-6-Loan-Eligibility-12-16-2020.htm