Mile High Home Group – Welcome to Denver

House hacking means buying a multi-unit property or home with rental potential, living in one unit while renting out the others to cover your mortgage—smart for first-time buyers building equity with minimal out-of-pocket in Denver’s competitive Colorado housing market.

How House Hacking Works

After 15+ years in Denver real estate and thousands of transactions, I’ve helped clients hack duplexes or homes with basement suites, where tenants pay $1,800-$2,500 to offset 70-100% of payments. FHA loans allow 3.5% down on up to 4-units if you occupy one; conventional caps at 4 live-in. Screen tenants carefully (3x rent income), handle minor maintenance for cash flow. Exit via refi or sale after seasoning, often appreciation-fueled. Risks include bad renters or vacancy, but low entry beats traditional investing.

Equity builds while living rent-free.

Denver-Specific House Hacking Spots

Highlands Ranch real estate offers townhomes with village appeal near Mountain Vista schools—rent ADUs or rooms at $2,000+ amid HOA fees ($150-$400), drawing stable families. Littleton bungalows hack basements legally with egress windows, pulling $1,800 for in-law suites sans urban noise. Core Denver duplexes thrive LoDo for pros at $2,500/unit. Market cycles favor buys in balanced winters; spring leases fill fast. Douglas County triplexes flex more; compared to Littleton flexibility, Highlands Ranch covenants limit but stabilize tenants.

Zoning checks confirm units.

Practical Advice for Buyers and Sellers

Strategy	Down Payment	Monthly Offset
FHA 4-Plex	3.5%	80-100%
Room Rentals	Owner portion	50-70%
Duplex	5-10%	Full coverage

Buyers, verify live-in rules—budget management, get landlord insurance; start with 2-unit for simplicity.

Sellers, disclose rental history—price for investor hacks 10% under retail.

My hands-on, concierge-level service identifies hack properties block-by-block, weighs school/HOA fits through market cycles, builds pricing from local sales, and negotiates relentlessly for wealth-building buys. Clients are long-term relationships and friends, not transactions—integrity, honesty, transparency, and relentless work ethic launch portfolios.

If house hacking sparks your Denver real estate entry—Littleton, Highlands Ranch options—reach out anytime. I’m here for a no-pressure conversation and honest guidance tailored to the Colorado housing market.