House hack Issue with single family homes

[Bianca Nunes]

Hi everyone, I finally found a house that I'd like to pursue as a house hack. After reading a lot of books and forums about it, I'm ready. 

It's a single family home 4 beds and a full basement.

My plan is to rent out the 4 beds upstairs and live in the basement, BUT I got information from someone that I might have problems with lender and insurance because the basement is not a separate unit? All the content I read I never heard of that before...even Brandon and David mention all the time how you should get a single family or multi family (there are no multi families in my market...). 

What he said is that house hack is only for multi family. Does anyone know if this information proceeds? How do I verify it? State is MD.

Thank you