House hacking means living in one part of a property while renting out the other portions to offset your mortgage. In San Francisco, this typically means buying a duplex, triplex, or a home with a legal ADU. The rental income can significantly reduce monthly housing costs and accelerate wealth building. Because tenant laws in The City are complex, the strategy requires thoughtful planning. I help buyers evaluate which properties are best suited for house hacking, what rental income is realistic, and how to structure it correctly from the start.
