When I was running numbers, ChatGPT suggested that having 6 roommates could be considered a lodging house and require a special license.

@Jerell Edmonds - I'd have to echo what @Rick Albert......203k or homestyle renovation loans are the only thing I would consider for a house hack. 

𝐓𝐡𝐞 𝐒𝐨𝐮𝐭𝐡𝐞𝐚𝐬𝐭 𝐢𝐬 𝐬𝐡𝐨𝐰𝐢𝐧𝐠 𝐬𝐢𝐦𝐢𝐥𝐚𝐫 𝐜𝐫𝐚𝐜𝐤𝐬:Atlanta, 4.17%Macon, GA, 4.12%Spartanburg, SC, 4.12%Affordability ceilings are getting hit.

A whole house is much more work to get rid or the smoke odor.  

Reasons why I shouldn't do this: I have no experience running a residential care facility, I have never done a house hack, I already work a very time intensive day job...do I really have the bandwidth for this?

Sat through the John Burns 2026 Housing Market Outlook, and I want to give you the clearest, no-nonsense takeaways — the same ones the biggest builders, lenders, and institutional investors are using to set their strategy for the next 24–36 months.

But I don't think many people are getting rich off cashflow unless they are buying affordable units AT SCALE.

The housing affordability hits the lower income earner harder than the upper. $150k homes have higher DOM than $675k houses. 

So, I have this 3400 SF house I am trying to rent out. - All utilities included (except internet, water, and pellets for the pellet stove)- Comes with private sauna- Comes with Private Gym- Comes with shared in ground swimming pool- Comes with wrap around porch- Comes with jetted soaking tub in the primary bathroom.- Partially furnished (everything except living room and primary bedroom)- Comes with property managementTo put it bluntly, the rent being charged is higher than your average consumer can afford... $6,500/month to be exact.When I think of who might be able to afford a rental like this.

That improves the block, raises tax revenue, reduces blight, and gives buyers move-in-ready options.If investors stopped buying distressed houses tomorrow, you’d see:• fewer renovated homes• more unsafe/dated properties sitting vacant• lower neighborhood appeal• and fewer entry-level houses anyone actually wantsThat doesn’t help affordability, it hurts it.The real driver of rising prices is supply versus demand, not whether an investor bought the house first.