Latest / Mortgage Research Network Podcast
Live in One, Rent the Rest: House Hacking with 3.5% Down
What if your first home paid you to live there? Tim Lucas and Craig Berry break down owner-occupied multifamily—aka house hacking—so first-time buyers can turn a duplex, triplex, or fourplex into a launchpad for long-term wealth.Entry paths: FHA as low as 3.5% down; VA for eligible buyers with 0% down; new conventional 5% down options for 2–4 units.Qualify smarter: Lenders can count ~75% of projected rent from the other units toward your qualifying income.Live-in requirement: Plan on 12 months in the property—then you can rinse and repeat.Cash-flow upside: Fixed mortgage vs. rising rents…
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