# @mgthemortgageguy on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DU6CCP3jXpT
- **Gondola URL:** https://gondola.cc/posts/56778882-mgthemortgageguy-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/b80cd8b2f7.jpg
- **Posted:** 2026-02-18T16:57:23.000+00:00
- **Account Owner:** Matthew Garland NMLS#58700 (@mgthemortgageguy) — https://gondola.cc/mgthemortgageguy

## Caption

Single family or multi-unit in NY/NJ?

Here’s the reality most people ignore:

A 1-family in our market can cost the same — or MORE — than a 2-4 family.

So if you’re going to carry a $6k–$9k mortgage anyway…
why not let tenants help pay it?

That’s called house hacking.

• Supplement your mortgage payment
• Lower your out-of-pocket cost
• Build equity faster
• Unlock stronger tax benefits (depreciation + rental offsets)

Same market.
Same price range.
Smarter structure.

In high-cost states like NY & NJ, strategy matters more than ever.

If you’re thinking about buying and want to map out whether 1-4 units makes more sense for YOU…

Comment STRATEGY and I’ll get you on my calendar.

#mgthemortgageguy 
#househacking 
#nyrealestate 
#njrealestate

## Stats

- **Views:** 6,097
- **Likes:** 833
- **Shares:** 0
- **Comments:** 64

## Tags

mgthemortgageguy, njrealestate, househacking, nyrealestate

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