Kenneth Raya Real Estate Team
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Helping sellers and buyers with their real estate objectives. Hello my name is Kenneth D. Raya a licensed Realtor® in Utah. Coast Guard. I am eager to serve you.
I am a member of North Weber Association of Realtors, Utah Association of REALTORS and National Association of REALTORS. I have a Paralegal degree and am a member of the Utah Paralegal Association (formerly Legal Assistants Association of Utah). I am affiliated with Keller Williams Success Realty located in South Ogden, Utah. The office opened with 12 agents in March 2001, We now have over 200 age
06/16/2026
What is your home worth in today's market?
Click here to request a No Obligation Home Value Estimate:
Want to know how much your home is worth? Find out now! https://homeasap.com/511660/homevalue
06/11/2026
Want to know the original house hack? Buy a duplex, triplex, or small multi-family. Live in one unit. Rent out the others. It's been working for decades — and it still does in 2026.
FHA loans allow you to buy properties with up to 4 units with as little as 3.5% down, as long as you live in one unit. Veterans can use a VA loan with zero down. And Freddie Mac's Home Possible program allows qualified buyers to put down just 3%.
The financing options are more accessible than most buyers realize. For those willing to share a property line with their tenants, the income potential is typically higher than an ADU, and the strategy is time-tested. If you're serious about house hacking, don't overlook the classic approach.
Read the full article: http://iloverealestateinutah.com/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/
06/11/2026
Multi-generational home buying hit a record high in 2024. 14% of all home purchases were multi-generational. Gen X buyers led the way at 19%. 👨👩👧👦
This isn't a trend. It's a structural shift.
Among multi-generational buyers, 41% said the primary reason was to care for or support aging parents — the highest share since tracking began in 2015. Another 23% wanted to spend more time with their parents. For Gen X especially, who are often supporting both aging parents and adult children, a home designed to accommodate multiple generations solves several problems at once: caretaking, privacy, and cost.
House hacking doesn't always mean renting to strangers. Sometimes it means sharing a home — and the costs — with the people who matter most.
Read the full article: http://iloverealestateinutah.com/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/
06/10/2026
Accessory Dwelling Units (ADUs) have become the gold standard for house hacking in 2026 — and there's a reason why. 🏠
As of March 2026, Fannie Mae allows lenders to count projected ADU rental income toward your mortgage qualification — up to 30% of your total qualifying income. That means the income potential of an ADU can help you qualify for a home you otherwise couldn't afford.
ADUs include:
🔹 Detached backyard cottages
🔹 Converted garages
🔹 Basement suites with separate entrances
They're increasingly legal, financially supported, and proven in the rental market. If affordability is your biggest barrier to homeownership, an ADU-eligible property might be the solution.
Read the full article: http://iloverealestateinutah.com/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/
House hacking isn't about living for free — it's about making homeownership possible when it otherwise wouldn't be. In 2026, the strategy is less about eliminating a mortgage payment and more about engineering one you can actually afford. 🏡
Here's what's working:
✅ ADUs (accessory dwelling units) — Fannie Mae now lets buyers count projected ADU rental income toward mortgage qualification, up to 30% of total qualifying income
✅ Multi-generational homes — 14% of all home purchases in the last year were multi-generational, with Gen X leading at 19%
✅ Small multi-family properties — FHA loans allow up to 4 units with just 3.5% down if you live in one
✅ Realistic expectations — If rental income cuts your $3,800 payment down to $2,200, that's a win
The math has to work. The zoning has to be legal. And the lifestyle has to fit. But for the right buyer, house hacking can turn a closed door into an open one.
Read the full article: http://iloverealestateinutah.com/house-hacking-in-2026-what-the-hype-got-wrong-and-what-actually-works/
06/10/2026
House Hacking in 2026: What the Hype Got Wrong — and What Actually Works | Kenneth Raya If you’ve spent any time on real estate TikTok in the last few years, you’ve probably seen the house hacking pitch. Buy a property, rent part of it out, let your tenants cover the mortgage. Live for free. Build wealth...
06/08/2026
If you've been considering selling your home, now is a great time to get started! Request your Sales Price Estimate today, just click the link below!
Want to know how much your home is worth? Find out now! https://homeasap.com/511660/homevalue
05/31/2026
Ready to get your home sold? I am here to help! Request your Sales Price Estimate on your Home today, just click the link below to get started!
Want to know how much your home is worth? Find out now! https://homeasap.com/511660/homevalue
05/28/2026
If you're thinking about selling your home, you've probably heard the term "months of supply" thrown around. But what does it actually mean?
Months of supply measures how long it would take to sell all available homes at the current sales pace. It's one of the clearest indicators of whether we're in a buyer's or seller's market.
Here's the breakdown:
- Less than 5 months = Seller's market (low inventory, more competition among buyers)
- 5-6 months = Balanced market
- More than 6 months = Buyer's market (more inventory, buyers have negotiating power)
Right now, inventory levels are rising in many markets across the country. According to recent NAR data, we're seeing a shift from the extreme seller's market of the past few years. This means pricing strategy, home preparation, and timing matter more than ever.
If you've been waiting for the "perfect time" to list, understanding these metrics can help you make a more informed decision about your specific situation and local market conditions.
Call/text/email us at (801) 675-9058 or [email protected] if you have questions.
Not every pre-listing fix needs to be big or expensive. But there are a few small repairs sellers shouldn’t ignore because buyers notice them immediately.
Here are some of the most common ones:
1. Leaky faucets or running toilets
Small issues like these can make buyers wonder what else hasn’t been maintained.
2. Loose handles, hinges, or cabinet hardware
They’re inexpensive to fix, but they affect how cared-for a home feels.
3. Scuffed paint and wall damage
Patches, touch-ups, and fresh paint in key areas can make the whole home feel cleaner and more current.
4. Burned-out light bulbs or outdated fixtures
Lighting has a huge impact on first impressions, especially in photos and showings.
5. Doors that stick, squeak, or don’t close properly
These are small annoyances that can make a home feel older or neglected.
None of these repairs will transform a home on their own. But together, they can reduce buyer hesitation and help your home feel better maintained from the start.
If you’re getting ready to sell, the best pre-listing strategy usually starts with the simple things first.
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1572 N Woodland Park Drive #501
Layton, UT
84041