House Hacking with MTRs

[Kwanza P.]

Anyone house hacking with MTRs? If so, are there any tax disadvantages? Or are advantages the same as STRs? 

[Joey Banasihan]

Hey @Kwanza P.,

We house hack in Boise with a MTR basement ADU downstair and its a good question — definitely some nuance here. With a mid-term rental house hack, you'll usually get partial tax benefits (based on rental-use percentage), but not the full STR advantages unless the average stay is under 7 days or you meet the service rules. Also depends if it's your primary or classified fully as an investment property.

I’d recommend confirming with a CPA to make sure it aligns with your setup — we’ve seen a lot of folks surprised by what they can (and can’t) write off.

Our team helps a lot of investors with the STR loop hole here in Boise and a few variations of this strategy with clients lately. Let me know how else I can help!