Right now, rates are below 7% in most cases with very low origination.

It will be used for the construction of an ADU conversion with possibly some cosmetic rehab costs in the main house.

@James McGovern if I can assume by "undocumented immigrant" you're talking about someone who entered the country illegally, he/she would not be considered part of a protected class under federal / state Fair Housing laws.

Some of my most beautiful houses were bought as condemned houses and I completely upgraded the house.

Sometimes, you can find and qualify for a 0% interest rate credit card for the first 12-18 months.

Also, the incredibly low interest rates and low yearly property taxes (depending on your location) help a bit on the cash flow end.From my understanding, opportunities exist in different cities in Spain, especially when considering distressed properties outside of inflated metropolitan areas (not to mention the alternative ways of acquiring property like judicial auctions, cash purchases, etc.). 

On Friday we bought a house in Embrun that we're going to live in and house hack.

We currently are house hacking a duplex.

I've shopped house insurance every other year since I bought my first house in 1985.

The guest said she was house hacking but only stayed there in the property 6 months out of the year and short term least it out the winter months to travel and stay where it is warmer weather.