Matthew Czechowski, Realtor

Matthew Czechowski, Realtor ☀️S.D. REALTOR®
💼Berkshire Hathaway HomeServices
California Properties
📍DRE #01996104 | In a fast-paced market who you work with matters.

With over 19 years of experience in sales, escrow/title research, and property management Matthew Czechowski brings a unique set of skills to navigate the home buying process. As an agent for both buyers and sellers Matthew prides himself on listening to your requirements, finding the right buyer or property, and negotiating a great deal for you. Knowledge is power, and Matthew Czechowski has repeatedly proven that he has the expertise and resources to get the job done correctly!

Want to know the original house hack? Buy a duplex, triplex, or small multi-family. Live in one unit. Rent out the other...
06/11/2026

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://matthewczechowski.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

06/10/2026

Which house style is your favorite?

From Cape Cod cottages to Craftsman bungalows and Ranch homes, American residential architecture has taken many forms over the centuries.

Each style reflects the era that shaped it — from classical symmetry to handcrafted details and open, low-profile living.

Multi-generational home buying hit a record high in 2024. 14% of all home purchases were multi-generational. Gen X buyer...
06/09/2026

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://matthewczechowski.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

Accessory Dwelling Units (ADUs) have become the gold standard for house hacking in 2026 — and there's a reason why. 🏠 ⁣ ...
06/04/2026

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://matthewczechowski.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

06/02/2026

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://matthewczechowski.myagent.site/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/

One of the quieter shifts in how buyers evaluate homes is the move toward wellness design — the idea that a home's layou...
05/19/2026

One of the quieter shifts in how buyers evaluate homes is the move toward wellness design — the idea that a home's layout and materials should actively support how you feel in it, not just how it looks. ⁣
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Mentions of "wellness" in listings are up 33% year over year, and "spa-inspired bathrooms" climbed 22%. But the concept goes far beyond the primary bath. Biophilic design — bringing in natural light, organic materials, living plants, and visual connections to the outdoors — has become a core consideration. So has circadian lighting that shifts with the time of day, and dedicated quiet spaces designed for rest and focus. ⁣
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These aren't luxury add-ons anymore. They're showing up in mainstream listings because people are prioritizing how their home makes them feel on a Tuesday afternoon, not just how it presents at a party. ⁣
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Read the full article: https://matthewczechowski.myagent.site/2026-home-design-trends-whats-in-whats-out-and-what-buyers-are-responding-to/

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516 Fifth Avenue
San Diego, CA
92101

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+16193828848

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