The Galli Games · No. 3

House Hack Hero.

Buy a triplex. Let your neighbors pay your mortgage. Live cheaper than your renter friends, build wealth for 24 months — then level up to the dream house and KEEP the triplex.

🏢 Chapter 1: Qualify for a 3-family (the rent counts — really!)
🛠️ Chapter 2: Survive 24 months of landlord life — 6 real decisions
💍 Chapter 3: Life levels up... and so does your portfolio
Every choice moves your savings & equity. Choose wisely!

The Galli Team · Novus Home Mortgage · Chris Galli, NMLS #13152
(941) 529-1040 · Equal Housing Lender · Numbers are illustrative. For education & fun — not financial advice or a commitment to lend.

Before You Hack · 3 Quick Taps

Question 1 of 3

Your answers shape your House Hack Readiness Report at the end.

Chapter 1 · The Qualifying Moment

You earn $58,000.

You want to stop renting. First stop: a cute single-family at $360K.

Income needed~$85,000

Your income$58,000

SHORT ❌

Ouch. But wait — your loan officer slides over a different listing: a 3-family at $450K. Two units already rent for $1,300 each.

"What if their rent counted as YOUR income?"

Chapter 1 · The Magic Math

It Counts.

Lenders can count ~75% of the other units' rent toward your qualifying income:

Your qualifying income

$58,000

$2,600/mo rent × 75% = +$1,950/mo (≈ $23,400/yr)

QUALIFIED ✅

FHA, 3.5% down on a 2–4 unit — about $15,750 — because you'll LIVE there. Your mortgage: $3,300/mo. The other units pay $2,600 of it.

Your renter friends pay$2,100/mo

YOU pay$700/mo

Decision1/6

Savings$0

Equity$0

Month 3 · Landlord Life

📄

Unit 2's lease is up. Your tenant is fantastic — always on time, quiet, plants flowers.

Chapter 3 · 24 Months Later

💍 🚗 🐕

Life Leveled Up.

You got engaged. Bought a sensible (okay, sensible-ish) car. Adopted a dog named Escrow. And while life happened... your triplex was quietly working for you:

Savings stacked$—

Equity built$—

Living at $700/mo instead of $2,100 rent saved you $1,400 every single month — while appreciation and principal paydown grew your equity in the background.

"Sooo... about that dream house..."

Chapter 4 · The Graduation

🏡✨

Buy The Dream House. Keep The Triplex.

Your savings cover the down payment on a $380K single-family. And here's the move most people never see coming:

You don't sell the triplex. You rent YOUR old unit too.

Triplex rent (3 units)$4,000/mo

Triplex payment$3,300/mo

The triplex now cash-flows +$700/mo — helping pay your NEW mortgage. Two years ago you couldn't qualify for a single-family. Now you own 4 units and your family home.

WEALTH MODE ✅

The Galli Team · Official Player Report

House Hack Readiness Report.

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The Savvy Hacker

Wise Decisions—

Savings Stacked—

Equity Built—

Score—

Your Profile

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The House Hack Playbook You Just Ran

Other units' rent counts — lenders can add ~75% of it to your qualifying income.
FHA allows ~3.5% down on 2–4 units when you live in one — investor returns, first-timer terms.
You live cheaper than renting while equity and savings build on autopilot.
The graduation move: buy your next home and keep the multi renting — that's how portfolios start.

Your Real-Life Next Step

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🎮 For fun and education only. All numbers are illustrative. This report is not a prequalification, loan approval, offer, or financial advice. Rent-counting rules, down payments, and qualification requirements vary by program and change.

Bring this report to your free 15-minute call.
We'll find out what a house hack could really look like for you — no hard credit pull, no obligation.
The Galli Team · Novus Home Mortgage · Chris Galli, NMLS #13152
📞 (941) 529-1040 · TheGalliTeam.com · Equal Housing Lender

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