The ShiftRich Blog
Real estate, house hacking, personal finance, and tools to help you build wealth on a W-2 salary.
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FHA Loans6 min read
FHA Loan Requirements Every First-Time Buyer Needs to Know
FHA loans let first-time buyers purchase a home with 3.5% down and a credit score as low as 580. The Federal Housing Administration backs the loan, which means lenders take on less risk and approve borrowers who wouldn't qualify for conventional financing.
May 17, 2026Read more →
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House Hacking6 min read
How to House Hack a Duplex With 3.5% Down in 2025
House hacking a duplex with an FHA loan lets you buy a two-unit property, live in one side, and collect rent on the other — all with as little as 3.5% down. On a $350,000 duplex, that's $12,250 out of pocket to own an income-producing asset.
May 17, 2026Read more →
House Hacking2 min read
How to House Hack With an FHA Loan in 2025
A step-by-step playbook for buying a small multifamily, living in one unit, and letting tenants pay your mortgage — using just 3.5% down.
May 17, 2026Read more →