Kenneth Raya Real Estate Team
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06/11/2026
Multi-generational home buying hit a record high in 2024. 14% of all home purchases were multi-generational. Gen X buyers led the way at 19%. 👨👩👧👦
This isn't a trend. It's a structural shift.
Among multi-generational buyers, 41% said the primary reason was to care for or support aging parents — the highest share since tracking began in 2015. Another 23% wanted to spend more time with their parents. For Gen X especially, who are often supporting both aging parents and adult children, a home designed to accommodate multiple generations solves several problems at once: caretaking, privacy, and cost.
House hacking doesn't always mean renting to strangers. Sometimes it means sharing a home — and the costs — with the people who matter most.
Read the full article: http://iloverealestateinutah.com/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/
06/10/2026
Accessory Dwelling Units (ADUs) have become the gold standard for house hacking in 2026 — and there's a reason why. 🏠
As of March 2026, Fannie Mae allows lenders to count projected ADU rental income toward your mortgage qualification — up to 30% of your total qualifying income. That means the income potential of an ADU can help you qualify for a home you otherwise couldn't afford.
ADUs include:
🔹 Detached backyard cottages
🔹 Converted garages
🔹 Basement suites with separate entrances
They're increasingly legal, financially supported, and proven in the rental market. If affordability is your biggest barrier to homeownership, an ADU-eligible property might be the solution.
Read the full article: http://iloverealestateinutah.com/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/
House hacking isn't about living for free — it's about making homeownership possible when it otherwise wouldn't be. In 2026, the strategy is less about eliminating a mortgage payment and more about engineering one you can actually afford. 🏡
Here's what's working:
✅ ADUs (accessory dwelling units) — Fannie Mae now lets buyers count projected ADU rental income toward mortgage qualification, up to 30% of total qualifying income
✅ Multi-generational homes — 14% of all home purchases in the last year were multi-generational, with Gen X leading at 19%
✅ Small multi-family properties — FHA loans allow up to 4 units with just 3.5% down if you live in one
✅ Realistic expectations — If rental income cuts your $3,800 payment down to $2,200, that's a win
The math has to work. The zoning has to be legal. And the lifestyle has to fit. But for the right buyer, house hacking can turn a closed door into an open one.
Read the full article: http://iloverealestateinutah.com/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/
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