Are you paying rent or mortgage payments? Probably so if you’re an adult. Hey, that’s the way it is right, you either pay rent or have a mortgage for your house. And how do you afford it? Well based on your job you figure out how much rent you can pay or mortgage amount. But what if you didn’t have to pay it out of your income from work. Wouldn’t that be great! Well that’s what buying a two-flat is all about. You can have the no housing cost lifestyle. That means you don’t pay rent anymore…ever. That’s right you just stop. How? Well, you make sure that when you do the deal, the rent that you receive from your tenant covers the expenses for the building. Now you have achieved the no housing cost lifestyle. Imagine having an extra $1000-1500 a month.  Another way to think of it is getting $12000-18,000 a year. If you are working try and ask your boss tomorrow for a $12,000 raise. I think it might be problematic.