A mortgage broker can also help find lenders with more flexible requirements.

I'm betting your numbers look like mine, and CapEx saving is eating up a lot of it.

House hacking is a great start, with duplex properties offering flexibility and a comfortable living environment.

**Niche Lenders**: Some smaller or more flexible private lenders might be willing to consider a second position.

This way I have more flexibility with what I want to do with my money, and if I keep it up for another 20 years, who knows, maybe I'll be able to use it to pay off my mortgage as a lump sum at a later date if I choose to do so.

If you have the flexibility at this point in your life to house hack you should definitely take it!

If you would be interested let’s connect I have a lender recommendation that would be able to fund this deal with flexible terms and quick closing.

Doing this like a brrrr I see as the best bet, for example my property does still have room for improvement adding a bedroom and bath to the primary structure and then the ADU.

It is meant to be general and flexible.

But the flexibility of your schedule, no boss or direct customers, and potential for a great year, and realistic expectation that you set make it all doable.