Most builders leave basements unfinished so they can win the comparison shopping war on sticker price. We finish ours and engineer it as a separated rental. Your effective monthly payment lands below the cheaper looking home down the street. We can also manage the rental for you so you never have to be the landlord.
Two homes, side by side. The cheaper looking home wins on the lot sign. The R5 home wins on the bank statement.
Conventional, FHA, and VA programs typically count a portion of projected ADU rent toward your qualifying income. That can mean qualifying for more home than salary alone. Specifics vary by lender, so ask yours.
Real separation means real demand. Private entrance, full kitchen, soundproof walls, in unit laundry. Renters in Utah County pay $1,400 to $1,900 for that, and they sign a year.
R5 Income Care places the tenant, signs the lease, collects the rent, runs repairs. You own the home. The income lands in your account. You can convert it back to family use anytime.
Mid 30s. Working family. Migrating from Salt Lake or Provo metros to the exurbs because the math finally pencils out there. Looking at $600K to $900K and trying to find a way to own a real home with a yard, not a townhome you'll outgrow before the paint dries.
You've heard "house hacking" bouncing around the internet. You've also heard a lot of nonsense. This isn't a side hustle and it isn't a real estate gimmick. It's a separated basement, a real tenant, a real lease, and a payment that you can carry without rolling the dice on your family.
If you're looking under $500K, an R5 home is probably outside your range. We'd rather tell you that now than waste your Saturday. Hold this page and come back when the budget's there.
A short form so we can show up to your tour with the right floorplan, lot, and lender contact in hand.