Post by Sheryl A Smith, Realtor

Accessory Dwelling Units (ADUs) have become the gold standard for house hacking in 2026, and there’s a reason why. 🏠 As of March 2026, Fannie Mae allows lenders to count projected ADU rental income toward your mortgage qualification, up to 30% of your total qualifying income. That means the income potential of an ADU can help you qualify for a home you otherwise couldn’t afford. ADUs include: 🔹 Detached backyard cottages 🔹 Converted garages 🔹 Basement suites with separate entrances They’re increasingly legal, financially supported, and proven in the rental market. If affordability is your biggest barrier to homeownership, an ADU-eligible property might be the solution. https://lnkd.in/gBXQgMiH #ADU #AccessoryDwellingUnit #HouseHacking #Homeownership #ranchocordovahomes #ranchocordovahomebuyers #ranchocordovahomesellers #ranchocordovarealtor #sherylsmithrealtor #goldriverhomes #goldriverrealtor #folsomhomes #matherhomes #sacramentohomes