Retirement Accounts: Certain retirement accounts, like a 401(k) in the USA or an RRSP in Canada, allow for borrowing or withdrawing funds for home purchases.

Quote from @Chan K.: Thank you everyone for sharing your thought.

If you made $100k in 2020, $150k in 2021, and $200k in 2022 can you go ahead and pencil in you'll on average make $150 k in 2023, and your target is $250k? 

Quote from @Jim K.: What's missing from much of this discussion is a real understanding of what the property is, ten acres in the heart of upstate New York Finger Lakes wine country, the desirability of that property as a vacation property on the one hand and the value of it as a vineyard on the other, and how local government (especially Yates County) is systematically trying to fight against the encroachment of moneyed OOS vacation-home buyers/STR operators  in the area.This is not some bland normal place where normal people live and operate.

Quote from @Malik K.: Quote from @Theresa Harris: Unless you are living in it, you will have to put 20% down. 

I have roughly $160,000 in my 401(k).

Quote from @K S.: I just sold my condo in San Diego and the agent was required by law to explain this in the sgining agreemnts somewhere.It did not effect the resale and sold right away.

@K JamesI would do the sewer ejector pump.

@Srini K.1. 

Other ways to house hack: buy a house with more bedrooms and rent them out to cover the mortgage, or use FHA 203(k) loans to fix up a multifamily home.