House hackers are closing deals at 6% rates and generating positive cash flow. While market headlines suggest waiting for better conditions, three separate Colorado deals just proved house hacking delivers results in 2025. These aren’t theoretical examples – we’re breaking down actual purchase prices, financing packages, and cash flow projections from deals that closed this year.

Chris Lopez sits down with Denver broker Jeff White (completing his 9th house hack) and Troy Howell from Nova Home Loans to dissect three successful closings. Jeff’s latest acquisition – a $910K off-market fourplex – demonstrates how strategic advice and relationship building created $55K in instant equity while generating $975 monthly cash flow during owner occupancy and $3,000 after move out.

These deals span Denver and Colorado Springs, showcasing different strategies from first-time buyers to experienced house hackers. You’ll discover why a $540K move-in ready property beats $20K+ renovation projects, how Colorado Springs’ unincorporated areas offer Airbnb flexibility across all four units, and why Section 8 zip code variations boost returns by $520 per unit monthly.

In This Episode We Cover:

• How off-market relationships led to a $55K appraisal windfall on Jeff’s 9th house hack
• Why paying premium for move-in ready properties saves money versus renovation projects
• Section 8 zip code strategy generating $1,870 monthly for two-bedrooms in Colorado Springs
• Financing packages that work – 6% rates, PMI buyouts, strategic down payment choices
• Cash flow analysis – $975 while living there, $3,000 after moving out on Denver fourplex
• Why house hacking still pencils at current rates despite market headlines
• Colorado Springs vs. Denver opportunities for multifamily investors

Whether you’re a first-time buyer starting with $25K down or an experienced house hacker building toward a ten-property portfolio, you’ll learn how to structure deals that generate positive cash flow from day one while building long-term wealth through Colorado real estate.

00:00 – Welcome & Guest Introductions 
02:44 – Jeff’s 9th House Hack – Denver Fourplex Journey to 10 Properties
08:18 – Financing Package Breakdown – 15% Down, 6% Rate, PMI Buyout Strategy
12:48 – Cash Flow Analysis – $975/Month While Living There, $3,000 After Move Out
16:30 – Deal #2: Single Family Mother-in-Law – First-Time Buyer Strategy
22:00 – Airbnb vs Long-Term Strategy – $2,700 Monthly from Basement Rental
26:12– Deal #3: Colorado Springs Fourplex – Unincorporated Area Advantages
32:44– Section 8 Zip Code Analysis – $1,870 Two-Bedroom Rates in Springs
35:48 – Market Reality Check – House Hacking Still Works in 2025

Troy Howell: troy.howell@novahomeloans.com

• LinkedIn: Troy Howell
• Website: https://www.novahomeloans.com/loan-officer/troy-howell/

Jeff White: Jeff@envisionrea.com

• LinkedIn: Jeff White

For over 40 years, we’ve been focused on helping homeowners find the perfect loan to fit their financial needs and personal goals. Working with NOVA is a personalized experience from initial application to final loan closing and beyond. We will be with you every step of the way toward successful homeownership. Start working with NOVA & Troy Howell today!

NOVA FINANCIAL & INVESTMENT CORPORATION, DBA NOVA HOME LOANS NMLS 3087/ EQUAL HOUSING OPPORTUNITY/8055 EAST TUFTS AVENUE, SUITE 101/DENVER, CO