06/04/2026
Accessory Dwelling Units (ADUs) have become the gold standard for house hacking in 2026 โ and there's a reason why. ๐
As of March 2026, Fannie Mae allows lenders to count projected ADU rental income toward your mortgage qualification โ 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.
ADUs include:
๐น Detached backyard cottages
๐น Converted garages
๐น Basement suites with separate entrances
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.
Read the full article: https://providencepropertiesgroup.com/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/