Found Spaces Realty GroupReal Broker Ontario Ltd., Brokerage

House hacking · Hamilton

The house that pays you to live in it.

Buy a home in Hamilton with two or three units. Live in one. Let the rent from the others pay most of your mortgage. That's house hacking, and it's how a lot of first-time buyers here get in. Our free four-page starter kit walks you through it. Tell us where to send it.

Send me the starter kit4.9
324+ Google reviews
Sandy MacKay, REALTOR®Shelley-Ann Magill, REALTOR®Steve LoPresti, REALTOR®

A real person on our team reads every message and texts you back, usually within the hour.

Where should we send the kit?

Four pages: what house hacking is, what the bank asks for, the six Hamilton neighbourhoods where it works, and answers to the five most common worries. Just your name and a mobile or email.

When?
Talked to a lender? (optional)

We follow up by text or email, usually within the hour.

A seller handing the keys to a smiling couple at the front door
  • You buy a home with more than one unit. You live in one. The rent from the others pays most of your mortgage.
  • If you live there, the bank treats it like a home, not an investment: a two-unit with the same small down payment as a condo, a three- or four-unit with a little more.
  • It works better in Hamilton than almost anywhere in Ontario, because the buildings exist here and the bigger the building, the less each home inside it costs.
  • You don't need to be an investor, rich or handy. Plenty of regular people on regular incomes have done this, and the kit shows you how they did it.

What the kit gives you

  • What house hacking is, and what it feels like the month the rent covers the mortgage.
  • Why you don't need to be rich: what the bank actually asks for when you live in the building.
  • The six Hamilton pockets where it works best, and why.
  • The five fears everyone has, answered straight, and your first three steps.
Send me the starter kit

House Hack Pre-Check · 60 seconds

Four taps, sixty seconds, and your next step toward a home where the rent helps pay the month.

See my next step

This isn't a course or a get-rich plan. It's how a lot of people in this city quietly got their start. When you want the numbers behind it, our public Hamilton multiplex report has them, refreshed monthly. Looking outside Hamilton? The same kit, written for any city.

General information, not mortgage, legal or tax advice. Financing and zoning depend on the building and on you; verify before you write an offer. Sandy MacKay, REALTOR®. Found Spaces Realty Group, Real Broker Ontario Ltd., Brokerage.

Frequently asked

Questions people ask us

Buying a home with more than one unit, living in one, and letting the rent from the others carry most of the mortgage. The name sounds a bit odd, but the result is simple: you own your home, and your tenants help pay for it.

Less than you think. If you live in one of the units, the bank treats the building like a home, not an investment. A two-unit takes the same small down payment as a condo, a three- or four-unit a little more, and the rent from the other units even counts toward what you qualify for. The kit explains it in plain words.

No. Most people who ask for the kit are first-time buyers who want a smaller mortgage payment. The kit is written for someone who has never done this before.

The kit opens right away, and we send a copy by text or email. Then someone from our team checks in to see what you thought and answer any questions.

Just want the kit?

Get the free house-hack kit by email. No phone number needed.

The kit opens right away. We may email once to see if it helped.

Hamilton · House hacking

Four pages. Then it all makes sense.

Read it. Then, if it feels right, we'll talk about what you could afford and what it looks like on a real Hamilton street.

Send me the starter kit