But with a co-living setup, renting out each bedroom separately at $850 per room could generate $4,250+ per month—a 70% increase in rental income. 

You can maximize your cash this way with the lowest rate possible on the debt and be able to reinvest all the while still generating cash flow. 

Quote from @Zachary Kessler: Hello all I’m currently hacking my house that has an ADU dwelling that generates income, I bought this property intending to leave and rent the house that I currently reside in (2 bed 1 bath) I currently have a very good interest rate locked in here from 2022 that I don’t want to lose or have my mortgage called due from leaving here, I live here for very cheap with the income from the ADU.

We provide everything you need to build generational wealth under one roof—property management, construction, experienced agents, and connections to top lenders.

I paid $62,000 for it and it's generated me $1,000/mo net cash flow like clock work ever since.

When considering 'break-even,' cash flow is included...it's the overall ROI that the property generated for you during your ownership.  

However, Gen Z is facing a more competitive homebuying environment than previous generations.

Head over to bank rate or and take a look at the mortgage calculators, plug in the numbers and get an idea of what the property needs to generate to satisfy the intended debt.You still have to underwrite the deal for the non-finance expenses as well(typically 40-50% of the gross rents). 

I said to myself, wow, she gets it, there’s hope for our future generations.

I wanted to create generational wealth, have a hedge against inflation with my $ and diversify my wealth, vs being 100% in the stock market.