Rebecca Thompson is charging $500 a night to holiday-makers to rent out her five-bedroom house at Papamoa over Christmas and New Year.
Since listing the house on two websites a month ago, the mother-of-three says she already has enough bookings to pay for a family holiday to Fiji next year.
Rebecca, 33, is one of a growing number of Bay residents cashing in on the demand for holidays in the region by renting out their family homes this summer.
Popular holiday home website Bookabach says New Zealanders are not alone in the trend, and renting out primary residences to holiday-makers is a growing phenomenon worldwide.
Rebecca and her family moved into their new home, which is about six minutes' walk from the beach, in July.
It includes a spa and self-contained studio, and was purpose-built to accommodate paying guests.
"Because I'm a stay-at-home mum," says Rebecca, "it's a good way for us to generate a bit of income."
The studio is available for rent year-round, while the house and studio - which together can sleep up to 14 people - are listed for 20 days over Christmas and New Year. Most of the dates have been taken, but Rebecca says she would consider moving her family out of the house for longer if she got requests for bookings of 10 days or more in January.
"It has to be longer bookings because it's quite a bit of work to pack up all our food, clothes and the kids' toys."
Rebecca, her husband, Russell, and their three children, aged 4, 16 months and a newborn baby, will stay with family in Auckland and north in Omaha while the house is rented.
Rebecca does not worry about having strangers in her family home, saying she has extra insurance and if something got broken "it wouldn't be the end of the world".
An accountant and nutritionist by profession, she has set up the house as a business and says even with the associated costs, including paying someone to do the cleaning, it is proving worthwhile.
At Mount Maunganui, many families rent out their homes to capitalise on the area's popularity as a summer holiday destination.
Cafe owners Andrew Targett and Annemarie Cambie made $8000 in six weeks, relocating with their twins, Charlotte and Austen, 8, to Andrew's parents' house in Ohauiti. Andrew said they would have done it again this year if his parents had not moved to the South Island.
"That's the problem," he says. "You have to have somewhere to go."
Another Mount local says the process is a hassle but worth it for the money.
"It's horrible camping at other people's houses," she says, "and you underestimate how much time it takes you to get the house ready.
"But there are a lot of people who do it - young families - because it's just so worth it."
The woman and her husband make about $5000 renting out their 1950s three-bedroom home for two weeks over Christmas and New Year, moving their two children, aged 5 and 7, to a family bach or her parents' house in Tauranga.
The woman, who did not want to be identified, limits tenants strictly to families with young children and vets potential renters on the internet, saying Google, Facebook, LinkedIn and other sites reveal plenty.
The woman has never had problems with holiday-makers and hopes to up the nightly rate from $350 to $500 once her house is renovated next year.
She and her husband declare the income, preferring to play it safe with the tax department, but several people approached for this story did not want to speak publicly because they kept the earnings off the radar.
Inland Revenue does not reveal whether it monitors sites such as Bookabach and Holiday Houses, but says it invests significant resource into targeting tax avoidance "and this includes online activity".
"We would like to remind people that any rent is assessable income and should be reported for income tax purposes," a spokeswoman says.