Become an Owner-Occupant Landlord and Cut Your Housing Costs
Learn how living in one unit and renting others can improve your finances, generate income, and secure your retirement.
What Does It Mean to Be an Owner-Occupant Landlord?
An owner-occupant landlord is someone who buys a multi-family property (typically 2–4 units), lives in one unit, and rents out the others. This unique strategy helps offset mortgage, insurance, and property tax expenses with rental income — while you still enjoy the benefits of homeownership.
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Live in your own property
Stay in your own home while renting out other units—combining comfort, control, and smart investing in one place.
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Rent other units to cover housing costs
Offset your mortgage, property taxes, and insurance by renting out the other units—turning your biggest expense into steady income.
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Build equity and financial independence
Grow your wealth over time by owning property that appreciates—while rental income helps pay down your mortgage.
why
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This Strategy
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Works
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why • This Strategy • Works •
Real Income. Real Stability. Real Estate That Pays You Back.
With today’s inflation, soaring insurance, and uncertain social safety nets, many Americans — especially older citizens — are looking for smarter ways to secure their future. Owner-occupied rentals offer
Affordable Housing
You're not an absentee landlord. You’re on-site, so you can maintain the property, respond quickly to issues, and create a safer environment—for yourself and your tenants.
Intermediate
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Advanced
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Meet Craig – Author & Investor
Craig is a semi-retired real estate investor and former licensed agent with over 28 years of experience owning rental properties across NJ, PA, FL, and CO. With a Wharton MBA and multiple businesses under his belt, Craig now dedicates his time to educating others on how to slash housing costs and build equity through owner-occupied rental housing.
