# @raymiramontes_realestate on Instagram

- **Type:** Video
- **Original URL:** https://www.instagram.com/p/DbgpmrildHs
- **Gondola URL:** https://gondola.cc/posts/68675697-raymiramontes-realestate-instagram
- **Thumbnail:** https://img.gondola.cc/tr:w-,h-,fo-auto/postThumbnails/e32832968a.jpg
- **Posted:** 2026-08-01T20:02:06.000+00:00
- **Account Owner:** Ray Miramontes | CA Realtor (@raymiramontes_realestate) — https://gondola.cc/raymiramontes_realestate

## Caption

This is the part of house hacking most people never hear. 🤯

When you buy a duplex to live in, lenders can count roughly 75% of the market rent from the second unit as your qualifying income. So if that unit rents for $2,400, that's around $1,800 a month added to your application.

That extra income can be the difference between qualifying for a single condo or qualifying for a two unit property where a tenant helps pay your mortgage every month. More property, more help, same paycheck. 📈

Pair that with 3.5% down FHA and the math starts working for people who thought ownership was years away. 👇

Comment "QUALIFY" or text me and I'll connect you with a lender who can run your real numbers.

📲 562-600-9793
📧 Ray@Mira-RealEstate.com
📸 raymiramontes_realestate

Ray Miramontes, Circle Real Estate

#HouseHacking #FHALoan #DuplexLiving #FirstTimeHomeBuyer #RealEstateInvesting #LongBeach #LosAngelesRealEstate #BuildWealth #MultifamilyInvesting #HomeBuyingTips

## Stats

- **Views:** 4,958
- **Likes:** 46
- **Shares:** 0
- **Comments:** 4

## Tags

losangelesrealestate, fhaloan, realestateinvesting, multifamilyinvesting, homebuyingtips, longbeach, buildwealth, househacking, firsttimehomebuyer, duplexliving

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