House Hacking 101: Todd goes over an investment strategy so that you don’t have to pay rent of a mortgage forever. This is a proven method called “house hacking” utilizing a loophole in the FHA lending guidelines for owner-occupant homes where you can buy a 4-plex and then use the rent from 3 of the other units to not only make your mortgage payment for you, but also as income to qualify for the mortgage so you can effectively live for free without having to pay rent, and the mortgage is paid by the other units.