Vladimir Bellemo, Realtor

06/18/2026

Want to know the original house hack? Buy a duplex, triplex, or small multi-family. Live in one unit. Rent out the others. It's been working for decades — and it still does in 2026. ⁣
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FHA loans allow you to buy properties with up to 4 units with as little as 3.5% down, as long as you live in one unit. Veterans can use a VA loan with zero down. And Freddie Mac's Home Possible program allows qualified buyers to put down just 3%. ⁣
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The financing options are more accessible than most buyers realize. For those willing to share a property line with their tenants, the income potential is typically higher than an ADU, and the strategy is time-tested. If you're serious about house hacking, don't overlook the classic approach. ⁣
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Read the full article: https://vladimir-bellemo.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

06/17/2026

Do You Still Need a Realtor Today?

06/16/2026

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%. 👨‍👩‍👧‍👦 ⁣
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This isn't a trend. It's a structural shift. ⁣
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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. ⁣
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House hacking doesn't always mean renting to strangers. Sometimes it means sharing a home — and the costs — with the people who matter most. ⁣
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Read the full article: https://vladimir-bellemo.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

06/11/2026

Accessory Dwelling Units (ADUs) have become the gold standard for house hacking in 2026 — and there's a reason why. 🏠 ⁣
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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. ⁣
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ADUs include: ⁣
🔹 Detached backyard cottages ⁣
🔹 Converted garages ⁣
🔹 Basement suites with separate entrances ⁣
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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. ⁣
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Read the full article: https://vladimir-bellemo.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

06/10/2026

How Rent-To-Own Works.

06/09/2026

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. 🏡 ⁣
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Here's what's working: ⁣
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✅ ADUs (accessory dwelling units) — Fannie Mae now lets buyers count projected ADU rental income toward mortgage qualification, up to 30% of total qualifying income ⁣
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✅ Multi-generational homes — 14% of all home purchases in the last year were multi-generational, with Gen X leading at 19% ⁣
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✅ Small multi-family properties — FHA loans allow up to 4 units with just 3.5% down if you live in one ⁣
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✅ Realistic expectations — If rental income cuts your $3,800 payment down to $2,200, that's a win ⁣
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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. ⁣
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Read the full article: https://vladimir-bellemo.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

06/03/2026

What Is A Mortgage Broker?

05/28/2026