House hacking a triplex: do you take the best unit or the worst one?
Nothing under contract yet, still reading. The plan is a triplex where I live in one unit and rent the other two, because that's the version of this that gets me residential financing terms on a three-unit building instead of a commercial loan.
What I can't decide is which unit I take. Every triplex I've looked at has one unit that's clearly better, usually the top floor or the one with the deck, and one that's clearly the runt, usually the ground floor with the low ceilings and the shared laundry in the back of it.
Taking the best unit is the obvious one. I'm the one living there, I'll be there for a couple of years, and I want the deck. Taking the worst unit means the two best ones are earning, which is a real monthly difference, maybe 250 a month in the buildings I've seen. Over two years that's six thousand dollars for being cold in the winter.
There's a third argument I keep hearing, which is take whichever unit shares the fewest walls with tenants, because being the landlord and the neighbor at once is the hard part regardless of ceiling height.
If you've done this, which unit did you take and did you regret it?
House hacking a 2-4 unit, which unit do you live in?
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