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Your House Hack Strategy · South Florida 2026

Let Your Tenant
Cover Your Mortgage.
GC Vets the Unit First.

FHA on 2–4 units. Live in one, rent the rest. Roland inspects the rental unit before you buy — because what your tenants live in determines what rent you collect. What rent you collect determines whether the mortgage offset works.

★★★★★ 5.0 · 47 Verified Reviews · Keller Williams Premier Properties
FHA Down Payment: 3.5% on 2–4 Units
South Florida DPA: Up to $185K Available
FHA Loan Limit: $994K Duplex · $1.49M Fourplex
Year 1 After: DSCR Refinance + Scale
Real House Hack Math — South Dade Duplex

$415,000 Duplex.
$1,674/Month
Effective Housing Cost.

Live Deal — South Dade Duplex House Hack
$415,000 Duplex · 3.5% FHA Down · Homestead FL
Purchase price: $415,000. Down payment at 3.5%: $14,525. Hometown Heroes DPA: $40,000 forgivable. Effective out of pocket: approximately $14,525.

Monthly PITI (6.8% rate + MIP + taxes + insurance): $3,624.
Rental unit market rent (3BR/2BA South Dade): $1,950/month.
Effective monthly housing cost: $3,624 − $1,950 = $1,674/month.

Comparable 1BR apartment in same area: $2,100–$2,400/month. You pay less to own than to rent — while building equity.
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GC Rental Unit Assessment
Roland Inspects the Unit Your Tenants Will Live In
The rental unit condition determines the rent you can command. Roland walks it as a GC — checking systems, safety issues, and deferred maintenance that would kill the rent premium or require immediate capital after closing.
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FHA + DPA Programs
Up to $185K in South Florida Grants
Hometown Heroes, PHCD, Broward HOME, Palm Beach SHIP — Roland knows every DPA program by county and can stack them with FHA for maximum leverage. The homebuyer quiz identifies exactly which programs you qualify for.
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Year 1 Exit
DSCR Refinance Into Deal #2
After 12 months of owner-occupancy and rental income history, refinance into a DSCR loan, rent both units at market rate, and use the extracted equity as the down payment on your next acquisition. This is the house hack to portfolio sequence.
Results That Go in the File

Investors Who
Worked With Roland.

$3,200
Off Actual Cost on $210K Rehab
★★★★★

“Roland modeled the renovation budget before I put in an offer — not a ballpark, actual line items. His renovation number was within $3,200 of final actual cost on a $210,000 rehab. That precision changes how you underwrite a deal.”

Raymond K.
Value-Add Multifamily · 8 Units · Little Havana
T6
Code Violations Resolved Pre-Close
★★★★★

“Roland understood the T6-8 zoning and what we could actually build on the site before we closed. He identified two open code violations and had the seller close them as conditions of sale. Nobody else was doing that level of work.”

Ingrid & Pascal N.
Wynwood T6 Land Acquisition · Miami
14
Deals Done — First Agent to Know the Difference
★★★★★

“I’ve done 14 deals. Roland is the first agent who told me which renovations would move the rent versus which ones were just spending money. That GC lens is irreplaceable for value-add investing.”

Terrance W.
BRRRR · Triplex Value-Add · Hialeah
Your Next Step

Two Paths.
Pick the One That Fits.

Take the Homebuyer Quiz to find every FHA program and down payment grant you qualify for. Or take the Investor Quiz to run the house hack deal math on your specific target property.

Free · No Obligation · Roland reviews every submission personally
💬 Message on WhatsApp · Roland@Realtor007.ai
🅾 The GC Advantage
Roland gives you a GC renovation budget before you offer — real line items, not ballparks. The only investor agent in South Florida who walks the deal like a contractor, then buys it for you.
About Roland Ruiz
Roland Ruiz — South Florida real estate advisor and Licensed General Contractor

Roland Ruiz

Florida Realtor · Licensed General Contractor

Investor and multifamily guidance. Roland helps investors slow the numbers down: cash flow, reserves, insurance, repairs, financing, and risk before making a decision.

Keller Williams Premier PropertiesLicensed General ContractorMiami-Dade · Broward · Palm Beach · Collier