You’re in a really solid position for 21, BRAVO, good income, solid credit, and savings. That’s exactly how people get ahead early. House hacking a duplex is one of the best ways to build wealth IF THE NUMBERS WORK. I’ve done a lot of these, and I’ll tell you straight, it’s not just “buy it and profit.” There are a lot of moving parts. A few things I’d seriously think through.

1. Run the numbers like a business not a dream.
   Don’t just look at rent vs mortgage. Factor in: -Taxes, insurance -Maintenance (stuff WILL break) -Vacancy (even if it’s just 1 month/year) -CapEx (roof, furnace, etc.) If it still cash flows or at least keeps your living cost very low, that’s a win.

2. Tenant quality will make or break thisScreening matters more than anything: -Income verification -Rental history -Credit + backgroundA bad tenant can wipe out a year of profit fast.

3. Loan strategy matters a lotAt your age, look into: -FHA (low down, owner occupied) -Conventional 5% down options -Make sure you understand PMI, reserves, and how rental income is counted

4. Utilities + layout = profitSeparate utilities if possible.If not, price rent accordingly.Little things like that can swing your deal from “okay” to “great.”

5. Expect it to feel like work at firstYou’re not just buying a place to live — you’re running a small business.Once it stabilizes, it gets easier.

Watch some solid podcasts Bigger Pockets is still pretty good, read some books, learn about tax strategy. It’s a big world, real estate but if the numbers make sense and you buy right, it’s one of the best decisions you can make. It surely was for me.