Over the span of 5 years you will have paid $77,220 towards rent.However, you're $22,500 downpayment invested into the S&P index fund at our assumed rate of 10.13% compounded annually will be worth $36,236.48Leaving you a net living cost of $36,236.48 - $77,200 = ($40,963.52)Overall numbers after 5 years of house hacking:Expenses include: Principal, Interest, Taxes, Insurance, Repairs/Maintenance, and Private Mortgage Insurance.You will have paid $164,239.76 towards your principal and interestYou will have paid an estimated $20,914 in property taxes and insuranceYou will have paid $5,400 in private mortgage insuranceYou will have paid an estimated $10,859 towards repairs and maintenanceFor a total expense of: $164,239.76 + $20,914 + $5,400 + $10,859 = $201,412.76However, here are the positives to your net worth: Appreciation, Loan Paydown, Rent payments from TenantsYou're home will have appreciated to an estimated value of 560,7812 an increase of $110,782You will have paid down your loan by $26,742Your tenants will have paid $154,439 in total rentThe total benefits add up to: $110,781.87 + $26,742 + $154,439 = $291,962.87House Hacking net worth boosters minus expenses = $291,962.87 - $201,412.76 = $90,550.11(The home equity for year five is calculated using the downpayment + appreciation + loan paydown)House Hacking Vs RentingHouse Hacking net worth after 5 years: $90,550.11Renting net worth after 5 years: ($40,963.52)Leaving you a net worth benefit of $90,550.11 - ($40,963.52) = $131,513.63Here is a screenshot from our calculator on the difference in monthly payments between Renting vs House HackingThe winner is clear.

I gave an interview to Axios last month where I walked them through how this would actually increase commissions.I'm also purchasing Compass stock, as I believe they will be the big winner financially from the fallout of this.

What the point of giving the title to HOA foreclosure winners and then later take it away (assuming the banks are expected not to negotiate with new title holder of the property)?

Hey @Richard Hamm congrats on what sounds like a big winner there!

Cheaters don't win, and winners don't cheat."

Congratulations to you and many kudos for your indefatigable devotion to your investment going the extra mile to save the money to make your investment an early winner.  

The properties that are kept up will be the eventual winners. 

If you do not want to do this, you can purchase a property, or a portion of a property, that the fund has already selected.You must spend money to improve the property. ( I think it is a percentage of the gain you had)  You must hold the property for 10 years.Then, winner winner Chicken Dinner. 

The world really is out there for you, but to be a winner you'll need to suffer if you aren't starting out with a pot full of money.

I live close to a HUGE Marine Base.