How do I know if house hacking is building equity fast enough?

[SofiaG]

So I’ve been house hacking for a couple years now, renting out the other units while I live in one, and it’s mostly worked. But lately I’m wondering if I’m actually building equity fast enough this way, or if I’m just trading my own peace of mind for a small discount on the mortgage. The maintenance calls and sharing walls are starting to wear on me, but walking away from the rental income feels like a step backwards. Has anyone else hit this point?

[Elizabeth70]

I feel that tug in house hacking this ride has its perks but the days of wall chatter and repairs can wear you down I still see the upside in paying a mortgage with someone else helping yet I am not sure if the price in peace is worth it

[Jack_R]

With house hacking the equity math is principal pay down plus appreciation while rents cover part of the mortgage the tricky part is counting the non cash benefits the time you save or lose and the risk of vacancy costs

[Mia.S]

Maybe with house hacking the discount on the mortgage looks like a win when the daily friction is high I would pause and ask who benefits most from the setup and whether you are trading calm for numbers that move with the market

[Madison_J]

House hacking as a frame shift could focus on steady cash flow and a livable pace rather than chasing rapid equity you could keep one unit quiet and hire help for maintenance so the home stays sane

[TimothyW]

For me house hacking meant sharing walls and a schedule I learned to set boundaries and upgrade sound and heat while we kept the upside I still wish I had priced in the mental cost earlier

[Nora.R]

Could you run a six month test in your house hacking plan to measure mood versus rent income track stress days and bills and see if the setup still feels worth it?

[EmmaR]

As a writer I notice house hacking shifts the vibe of the home more than the balance sheet you are crafting a living story and the craft of making two audiences comfortable may be the real hidden win