How does house hacking a 2-4 family work?

House hacking a two-to-four family property means buying it with owner-occupant financing, living in one unit, and renting out the others so their combined rent offsets your mortgage payment, often substantially. FHA and conventional owner-occupant loans typically require a smaller down payment than a pure investment purchase, since you are living in the property yourself. Every unit needs to be legally permitted before a lender will credit any of that rental income toward your loan qualification. Joel Boss can point you toward two-to-four family listings across North Metro Atlanta with legal, permitted units.