All Forum Posts by: Greg Moran

Sounds like the question is more about the trade off of (time and money going into a commercial-to-residential conversion) compared to (savings from better loan terms)... Did I understand the question correctly? If so, this is a simple ROI calculation, and thus depends on how long you want to break even. That's how my simplistic brain reads your question.

To answer, I'd want to know :

 - A. How much better terms could you get? And convert that into annual savings. 

 - B. Then evaluate the time and money thing into the commercial-to-residential conversion, to include the potential revenue. 

 - C. Finally, compare A to B over time. Where these 2 values intersect is your break even point and can you wait that long? 

Right now I'm in a househack situation: living in a Washington DC rowhouse with separate basement "in-law suite" currently rented out as a 1B/1B apartment. The househacking situation was a way to afford a MUCH nicer property, since it's considered my primary residence.