CA SB9 & Renting

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    Can CA SB9 affect options under NACA affordability?

    Is it possible to indicate that you plan to rent 1 BR 1 BA in a 2BR 2BA property to impact affordability, even if it’s not zoned as multitenant?


    I think, during the purchase process, your options are to buy what you can afford right now or go through the multi unit purchase process.

    I am not familiar with CA regulations as they relate to naca but, my guess is just like with the rules around additional income there’s no guarantee you aren’t trying to buy more house than you can otherwise afford.

    If you get a definitive answer let us know.


    Hello Jay,

    I’m pretty sure you are confusing apples and oranges. Renting out a room in your home does not make the home any kind of a rental property. That’s a roommate, not a tenant. It is still a single family home and your primary place of residence. California SB9 has nothing to do with it.

    Likewise, you cannot make any claim to that income for the purposes of affecting your qualification. The very simple reason why is that it’s money you don’t actually have yet. Even if you had a prospective roommate with whom you already had a written agreement, you still can’t claim it because it is an agreement concerning a home you don’t own yet.

    “I’m going to rent a room to someone after I get the house” has no more credibility than “I’m going to win the lottery next year”. You can only prove it once it has been accomplished.

    Tim Trumble
    Online Operations, NACA

    • This reply was modified 2 months, 1 week ago by TTrumble.
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