1) I think it’s “funny” that not one news article I ever read for the last 5 years had headlines like “Housing at historical record lows!

Quote from @Carlyn Chism:I agree with Chris on a lender that might be a scam or make you may so much money interest because of the low credit score that you make $1.00 on the flip or no money.  

@Daniel Madhavapallil Congratulations on your house hack!

We own our house in Seattle and are trying to determine the best strategy for our move - what approach would net us the most money over the next 1-3 years.

The problem is: A traditionally financed low-down payment house-hack with traditional long-term rents simply won't cash flow during occupancy, or after, in many MCOL-HCOL markets in the US. 95% leverage at even 5.7% just won't work in a lot of cases right now.

Typically 75% of rental income can be applied towards your DTI for qualification. 

I'm an investor and mortgage broker and have options for loans that go as low as $75,000 and down payments as low as 15%, which makes it easier to stay above $75,000.

I use apartments.com, so the money didn't end up in my account until 1/6/25.Is this considered income for 2024 or 2025? 

So I have my house that refinanced in 2020 for a 15yr 2.5% rate and we have about 56k equity.

Hey there @James Colgan - Love the idea of house hacking a duplex!