Which Properties are Covered? (Single vs. Multifamily)

It is a common misconception that the Fair Housing Act applies to every building with a roof. While it covers the vast majority of housing, the law distinguishes between two main categories: Single-Family and Multifamily.Why does this matter? Because these categories determine whether a private owner might be exempt from the law (the "Mrs. Murphy" rule) or if they must follow it strictly. Why is it called Mrs. Murphy? It’s named after a hypothetical elderly widow who converts her large home into a rooming house and wants to choose who lives under her roof. Example: You own a duplex (2 units). You live in Side A. You rent out Side B. You are allowed to be picky about who lives in Side B (e.g., "I only want a female tenant"), provided you don't use a broker and don't use discriminatory advertising. Remember the Golden Rule: If a Real Estate Licensee (YOU) is involved in the transaction, the Fair Housing Act ALWAYS applies.