Smart Moves in a Tough Market: Creative Ways to Afford Homeownership

Marc Winter
Jul 28
2 min read

With rising home prices and changing lifestyles, today’s buyers are finding new, strategic ways to make homeownership more affordable. In the NAR’s Real Estate Today podcast, a panel of real estate experts and economic minds dig into innovative solutions—from Accessory Dwelling Units (ADUs) to co-ownership vacation homes and multigenerational living arrangements.

Podcast takeaways:

1. Accessory Dwelling Units (ADUs)

Adding a secondary unit to your property can create rental income, support multigenerational living, or even boost resale value. Learn how homeowners are leveraging local zoning to build smarter.

2. Co-Ownership Vacation Homes

Fractional ownership models like those offered by Pacaso make luxury vacation homes financially accessible by sharing costs and usage among vetted buyers.

3. Multigenerational Living

With costs rising, many families are embracing homes designed for shared living—balancing privacy and practicality while reducing expenses.

4. Home Insurance History: Why It Matters

Asking for a property’s insurance claim history can reveal hidden risks and repair patterns—and help you negotiate smarter or avoid future financial surprises.

5. House Hacking Tips

From renting out a spare room or garage to listing your backyard as a short-term rental, small hacks can create significant savings or income.

“Hot or Not” Home Trend: Backyard Rentals

Would you rent out your backyard to campers or tiny home dwellers? It might sound unusual, but this trend is catching on—and could be a creative way to offset mortgage costs.

These pros don’t just talk theory—they share real-world insights and actionable tips to help buyers and homeowners navigate today’s challenging market. Whether you're a first-time buyer, an investor, or exploring alternative living setups, this episode is packed with relevant advice.

From house hacking to shared ownership models, the message is clear: flexibility, creativity, and good information are the keys to unlocking affordable homeownership in 2025.

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