Living in My Garage

[Fisher Hudak]

Can I live in my garage and rent out the rooms in my house?

Background: I am 22 and bought my first house hack two years ago. It was a home run and I am ready to do it again. Interest rates are making deals a lot harder to come by. I am looking for a creative solution.

I can't seem to find a clear answer on this. I understand that you cannot rent out a garage as a living space to someone else, unless properly finished and approved by the city, but could I live in it? Theoretically, if I did enough work so that it fit my needs and lived in it as my primary, would I be violating any laws or aspects of an owner-occupied loan?