Your house-hacking roadmap

Nine steps.
Live for less, own an investment.

Buy a 2-4 unit home, live in one unit, and let rent from the others help cover your payment - owner-occupied rates and a low down payment, with a launchpad into real estate investing.

Steps9discovery to next move

Units2-4per house-hack property

Engines4building wealth after close

Next moves3repeat, convert, or stay

The path, step by step

Step 1

Discovery

We review your goals, timeline, and a first look at your income and reserves to see if house hacking fits.

Prep

Step 2

Analysis

Your real cash flow and wealth numbers in LendSight - kept in separate buckets so nothing is misleading.

Prep

Step 3

Pre-approval

Qualified for an owner-occupied multi-unit loan with owner-occupied rates and a low down payment requirement.

Prep

Step 4

Shop & offer

Your Realtor partner finds the right 2-4 unit property and helps you write a strong, informed offer.

Shop

Step 5

Inspections

A licensed inspector reviews the building and verifies the condition of each rental unit before you commit.

Contract

Step 6

Close

Move in within 60 days; existing leases on the other units transfer directly to you at closing.

CloseMove-in within 60 days

Step 7

First tenant

Collect rent from the other unit - it offsets your payment from month one of ownership.

Operate

Step 8

Build wealth

Four engines run in parallel - appreciation, paydown, tax benefits, and leverage - reviewed together annually.

Operate

Step 9

Plan the next move

Repeat with another multi-unit, convert to a full rental, or stay put - you have options and we help you model them.

Operate

Your wealth journey after the house hack

Equity growth only - kept separate from the cash-flow picture. Three paths, one goal: keep building.

Repeat

Move out, keep the multi-unit as a full rental, and house hack your next 2-4 unit with fresh owner-occupied terms.

Target 2-4 units Terms Owner-occupied

Cash needed

Doors added

Ongoing effort

Convert

Move into your own single-family later; the multi-unit becomes a pure rental, with all units contributing to equity growth.

Status Full rental Engines All 4 running

Cash needed

Doors added

Ongoing effort

Stay

Keep living in your unit long-term; two engines (appreciation and tenant-assisted paydown) keep building equity around you.

Engines 2 running Horizon Long-term

Cash needed

Doors added

Ongoing effort

This is the wealth-building side only - equity growth over time, not a monthly cash-flow projection. We map your specific path in your personalized analysis.

Scan to find where you are

Scan the code or reach out. We build your personalized house-hacking analysis: your effective housing cost, your cash flow, and your wealth-building picture.

Scan for your personalized house-hacking analysis

Scan to start

Owner-occupied: Rates and down payment sized for the unit you live in.
First tenant: Rent from the other unit starts offsetting your payment in month one.
Next move: Repeat, convert, or stay - the choice is yours at step 9.

{{compliance.pendingLabel}} Equal Housing Opportunity. {{lo.company}}, NMLS #{{lo.nmls}} (Company NMLS #{{compliance.companyNmls}}). Figures and the example household are hypothetical and for illustration only; not an offer, quote, or guarantee. Rental income, appreciation, and tax treatment vary and are not guaranteed. Consult a tax advisor regarding depreciation deductions and rental income treatment. Loan programs and down payment requirements subject to underwriting approval and eligibility. Owner-occupancy requirements vary by program; borrower must intend to occupy one unit as primary residence. This co-marketed seminar is cost-split by fair market value of promotion per RESPA; no party pays for referrals and none are required. NMLS Consumer Access: www.nmlsconsumeraccess.org.