By David Parks · eXp Realty · The Apollo Group · 2 min read
House hacking means buying a property, living in part of it, and renting out the rest to offset your housing costs. It can lower your monthly expenses and help you start investing with owner-occupant financing.
Owner-occupied loans often have lower down payments and better rates than investment-property loans. Some programs allow rental income to count toward qualifying. Ask a lender how it applies.
Living near tenants has trade-offs, and vacancies or repairs can strain your budget. Keep reserves.
Estimate your housing cost after rent, then compare to buying a single-family home. A lender and a tax professional can help you understand the details.
This article is general information, not legal, tax, financial or inspection advice. Every home and situation is different, so confirm details with a licensed inspector, lender, attorney or tax professional.
David is a Greater Denver real estate advisor with eXp Realty and The Apollo Group (Colorado broker license FA100103211). He has closed more than $55 million in volume, earned eXp Icon status in 2025, and holds a 5.0 rating on Zillow from 27 verified reviews.
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