Found Spaces Realty Group

House hacking · Hamilton

The house that pays you to live in it.

There is a way to own a home in Hamilton where other people pay most of your mortgage. It has a slightly silly name, house hacking, and most people have never heard of it. The starter kit explains it from zero, in four pages. Tell us where to send it.

Send me the starter kit4.9
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Where should we send the kit?

Four pages. The per-door price ladder, the cheapest pockets, the financing rules and the sheet we underwrite with. A name and a mobile or email is all it takes.

When?
Talked to a lender? (optional)

We follow up by text or email, usually within the hour. No spam, ever.

  • 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 do not need to be an investor, or rich, or handy. You need to be willing to read four pages.

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

Not a scheme, not a course, not a get-rich thing. It is how a lot of quiet, comfortable people in this city got their start. When you want the numbers behind it, our public Hamilton multiplex report has them, refreshed monthly.

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. It has a slightly silly name and a very serious result: you own in a city you love while someone else does the heavy lifting.

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 of the people who ask for the kit are first-time buyers who want a smaller mortgage. The kit is written for someone starting from zero.

The kit opens right away and lands in your inbox or by text. Our concierge checks in within the hour to see what you thought and answer questions. No pitch.

Hamilton · House hacking

Four pages, from zero to "I get it".

Read it twice. Then, if it feels right, we can talk about what you qualify for and what it looks like on a real street. No pressure, no pitch.

Send me the starter kit