How does house hacking a two-family work?

House hacking a two-family means buying a property with two legal units, living in one, and renting the other to offset your mortgage payment. It typically qualifies for owner-occupant financing with a lower down payment than a straight investment purchase would need, as long as you actually live in one unit. Brian can point you toward towns in his coverage area where legal two-family zoning actually exists before you start searching.