It works perfectly!!!!!

Purchase price: $134,000 Cash invested: $44,280 This was a perfect house hack with buying a home as a primary residence using a 10% down conventional loan and renovating while living in it for about a year.

Purchase price: $134,000 Cash invested: $44,280 This was a perfect house hack with buying a home as a primary residence using a 10% down conventional loan and renovating while living in it for about a year.

this thread perfectly illustrates the reality of cash flow in the first few years, which is this: there isn't any. 

It was only 2 years old and was very low maintenance, which was perfect for our lifestyle at the time.

The timing was perfect with the A class duplex, but that's the kind of appreciation I've experienced for most of my portfolio in Columbus on top of the cash flow getting better as the years have progressed and rents and increased. 

Let's say the duplex costs $240,000, and it's in a decent neighborhood, but it's not in perfect shape, maybe around a C+ shape.

A perfect example would be the "old" Private Annuity Trust (PAT). 

Putting zero into the mortgage each month is going to be a tough ask, still doable with the perfect deal but most of the time you are going to have to pay in some. 

Hi Don, I don't believe there's enough information to go off of to give you a perfectly tailored response.