# House Hacking Is The Best Way To Buy Rentals & How To Get A 2% Mortgage Rate Today With Ryan Thomson (Ep 574)

Page: https://stenobird.com/podcast/rental-income-podcast-with-dan-lane-1038135/house-hacking-is-the-best-way-to-buy-rentals-how-to-get-a-2-mortgage-rate-today-with-ryan-thompson-ep-574
Text version: https://stenobird.com/podcast/rental-income-podcast-with-dan-lane-1038135/house-hacking-is-the-best-way-to-buy-rentals-how-to-get-a-2-mortgage-rate-today-with-ryan-thompson-ep-574.md
Podcast: [Rental Income Podcast With Dan Lane](https://stenobird.com/podcast/rental-income-podcast-with-dan-lane-1038135)
Published: 2026-05-19T07:00:02+00:00
Episode link: https://rentalincomepodcast.com/episode574
Audio file: https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/71636055/rental574rt.mp3
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Duration seconds: 1780

## Resource

Ryan Thompson has gone all in on house hacking and believes it’s one of the fastest ways to build a rental portfolio. Ryan loves house hacking because of the favorable financing. Instead of putting 20–25% down like a traditional investment property, he was able to buy properties with as little as 5% down while also getting some of the best interest rates available. Today, Ryan generates over $30,000 a year in profit from just 5 rentals that all started as house hacks. On this episode, Ryan explains how he was able to live for free while doubling the mortgage payment with rental income from roommates and tenants. We talk about why he uses a property manager even though he lives in the properties, and how he sets up chores and systems to keep shared living spaces clean and organized. Ryan also talks honestly about what it was like moving every year for 5 years straight and why, despite how difficult it was, the financial freedom it created made it completely worth it. What makes Ryan’s story even more interesting is that he wasn’t making a huge income when he got started, proving that building a portfolio doesn’t require a high salary if you’re willing to sacrifice and think creatively. We also dive into assumable mortgages, which Ryan has become an expert on. Ryan explains how investors can buy properties and take over existing 2%, 3%, or 4% mortgage rates from sellers. We talk about which types of loans are assumable, how to approach sellers that may not even realize this is an option, how much cash you typically need to bring to the deal, and the timeframe to get an assumable loan approved. https://rentalincomepodcast.com/episode574 Thanks To Our Sponsors: Flock Homes - Retire from real estate investing and landlording (whether it’s one problem property or your whole…

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