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