diff --git a/gogobee_legacy_migration.md b/gogobee_legacy_migration.md
index 5a49849..1beffc1 100644
--- a/gogobee_legacy_migration.md
+++ b/gogobee_legacy_migration.md
@@ -334,7 +334,8 @@ This is also the right shape because zone-boss plumbing (bestiary, mood events,
 - Backfill: `backfillPlayerMetaHouseState()` runs on every Init; idempotent (only fills rows whose `house_tier` and `house_loan_balance` are both still the default zero, and the legacy AdvCharacter row has either tier > 0 or loan > 0).
 - Tests: `TestPlayerMetaHouseStateBackfill_Idempotent`, `TestLoadHouseState_FallsBackToAdvCharacter`, `TestUpsertPlayerMetaHouseState_RoundTrip` in `player_meta_test.go` (skip without prod DB, matching the L4d pattern).
 - `go vet ./...` + `go test ./...` clean.
-- **Reader flip deferred.** Reads in `adventure_housing.go`, `dnd_rest.go`, `dnd_sheet.go`, `adventure_pets.go` still go through `*AdventureCharacter`. Flipping them to `loadHouseState(userID)` is a separate session; the DB-level migration (this step) is the prerequisite.
+- **Reader flip (read-only sites) SHIPPED 2026-05-09.** `dnd_rest.go` long-rest housing eligibility, `dnd_sheet.go` housing-tier display, and `adventure_pets.go::petShouldArrive`/`mistyHousingHint` now read via `loadHouseState(userID)` (fallback to AdvCharacter inside the helper). `petShouldArrive` and `mistyHousingHint` gained a `HouseState` parameter; callers in `adventure_scheduler.go` and `adventure_npcs.go` load it. `renderDnDSheet` gained a `HouseState` parameter; test callers in `dnd_subclass_test.go` pass `HouseState{}`. Tests in `adventure_pets_test.go` updated to pass `HouseState`. `go vet ./... && go test ./...` clean.
+- **Reader flip in `adventure_housing.go` itself still deferred.** Mutation paths (`handleThomBuy`, `handleThomPayoff`, `handleThomPay`, `handleThomAutopay`, `processMortgagePayments`, `sendMortgageRateChangeDMs`) read-then-write `char.House*` in place; flipping these is bundled with cutting the AdvCharacter writes (post-soak), not now.
 
 ### 6.6 L4f — TwinBee/render
 - `adventure_render.go`: morning DM reads from DnDCharacter + `player_meta`. Coop teaser gating moves to DnDCharacter.Level.
diff --git a/internal/plugin/adventure_npcs.go b/internal/plugin/adventure_npcs.go
index 3e96c93..3035aa8 100644
--- a/internal/plugin/adventure_npcs.go
+++ b/internal/plugin/adventure_npcs.go
@@ -244,7 +244,8 @@ func (p *AdventurePlugin) resolveMisty(ctx MessageContext, char *AdventureCharac
 		reply := mistyAcceptLines[rand.IntN(len(mistyAcceptLines))]
 
 		// Housing hint (fires once after 2+ encounters)
-		hint := mistyHousingHint(char)
+		mistyHouse, _ := loadHouseState(char.UserID)
+		hint := mistyHousingHint(char, mistyHouse)
 		if hint != "" {
 			reply += "\n\n_" + hint + "_"
 		}
diff --git a/internal/plugin/adventure_pets.go b/internal/plugin/adventure_pets.go
index 00c1781..e0829a3 100644
--- a/internal/plugin/adventure_pets.go
+++ b/internal/plugin/adventure_pets.go
@@ -187,13 +187,15 @@ func petDeathText(char *AdventureCharacter) string {
 // ── Pet Arrival Flow ───────────────────────────────────────────────────────
 
 // petShouldArrive checks if pet arrival should trigger.
-// Fires randomly after Tier 1 house upgrade is complete.
-func petShouldArrive(char *AdventureCharacter) bool {
+// Fires randomly after Tier 1 house upgrade is complete. Housing state
+// comes from player_meta via loadHouseState (L4e reader flip); pet flags
+// still live on AdvCharacter during the soak window.
+func petShouldArrive(char *AdventureCharacter, house HouseState) bool {
 	if char.PetArrived {
 		return false
 	}
 	// Pet arrives after Tier 1 (Livable) upgrade = HouseTier >= 2
-	if char.HouseTier < 2 {
+	if house.Tier < 2 {
 		return false
 	}
 	// Pet was chased away and reactivated via Misty — allow re-arrival
@@ -396,9 +398,10 @@ func petCheckSupplyShopUnlock(char *AdventureCharacter) bool {
 // ── Misty Housing Hint ─────────────────────────────────────────────────────
 
 // mistyHousingHint returns a hint about housing/pets if conditions are met.
-// Fires once, after 2+ Misty encounters, player has no house.
-func mistyHousingHint(char *AdventureCharacter) string {
-	if char.HasHouse() || char.MistyEncounterCount < 2 {
+// Fires once, after 2+ Misty encounters, player has no house. Housing
+// state comes from player_meta (L4e reader flip).
+func mistyHousingHint(char *AdventureCharacter, house HouseState) string {
+	if house.HasHouse() || char.MistyEncounterCount < 2 {
 		return ""
 	}
 	if char.MistyDonatedCount > 0 {
diff --git a/internal/plugin/adventure_pets_test.go b/internal/plugin/adventure_pets_test.go
index 5f618f7..054ed9f 100644
--- a/internal/plugin/adventure_pets_test.go
+++ b/internal/plugin/adventure_pets_test.go
@@ -214,37 +214,37 @@ func TestPetDeathText_NoPet(t *testing.T) {
 // ── Pet Arrival Logic ──────────────────────────────────────────────────────
 
 func TestPetShouldArrive_NoHouse(t *testing.T) {
-	char := &AdventureCharacter{HouseTier: 0}
-	if petShouldArrive(char) {
+	char := &AdventureCharacter{}
+	if petShouldArrive(char, HouseState{Tier: 0}) {
 		t.Error("should not arrive without house")
 	}
 }
 
 func TestPetShouldArrive_BaseHouseOnly(t *testing.T) {
-	char := &AdventureCharacter{HouseTier: 1} // Base house, not yet Livable
-	if petShouldArrive(char) {
+	char := &AdventureCharacter{}
+	if petShouldArrive(char, HouseState{Tier: 1}) { // Base house, not yet Livable
 		t.Error("should not arrive with only base house (need tier 2+)")
 	}
 }
 
 func TestPetShouldArrive_AlreadyArrived(t *testing.T) {
-	char := &AdventureCharacter{HouseTier: 2, PetArrived: true}
-	if petShouldArrive(char) {
+	char := &AdventureCharacter{PetArrived: true}
+	if petShouldArrive(char, HouseState{Tier: 2}) {
 		t.Error("should not trigger if pet already arrived")
 	}
 }
 
 func TestPetShouldArrive_ChasedAway(t *testing.T) {
-	char := &AdventureCharacter{HouseTier: 2, PetChasedAway: true}
-	if petShouldArrive(char) {
+	char := &AdventureCharacter{PetChasedAway: true}
+	if petShouldArrive(char, HouseState{Tier: 2}) {
 		t.Error("should not trigger if pet was chased away (and not reactivated)")
 	}
 }
 
 func TestPetShouldArrive_Reactivated(t *testing.T) {
-	char := &AdventureCharacter{HouseTier: 2, PetChasedAway: true, PetReactivated: true}
+	char := &AdventureCharacter{PetChasedAway: true, PetReactivated: true}
 	// With reactivation, should always return true
-	if !petShouldArrive(char) {
+	if !petShouldArrive(char, HouseState{Tier: 2}) {
 		t.Error("reactivated pet should always trigger arrival")
 	}
 }
@@ -284,21 +284,21 @@ func TestPetMorningEvent_NoPet(t *testing.T) {
 
 func TestMistyHousingHint_NoEncounters(t *testing.T) {
 	char := &AdventureCharacter{MistyEncounterCount: 0}
-	if mistyHousingHint(char) != "" {
+	if mistyHousingHint(char, HouseState{}) != "" {
 		t.Error("should not hint with 0 encounters")
 	}
 }
 
 func TestMistyHousingHint_HasHouse(t *testing.T) {
-	char := &AdventureCharacter{MistyEncounterCount: 3, HouseTier: 1}
-	if mistyHousingHint(char) != "" {
+	char := &AdventureCharacter{MistyEncounterCount: 3}
+	if mistyHousingHint(char, HouseState{Tier: 1}) != "" {
 		t.Error("should not hint if player has house")
 	}
 }
 
 func TestMistyHousingHint_Donated(t *testing.T) {
 	char := &AdventureCharacter{MistyEncounterCount: 2, MistyDonatedCount: 1}
-	hint := mistyHousingHint(char)
+	hint := mistyHousingHint(char, HouseState{})
 	if !strings.Contains(hint, "house") {
 		t.Errorf("donated player hint should mention house, got: %q", hint)
 	}
@@ -306,7 +306,7 @@ func TestMistyHousingHint_Donated(t *testing.T) {
 
 func TestMistyHousingHint_NotDonated(t *testing.T) {
 	char := &AdventureCharacter{MistyEncounterCount: 2, MistyDonatedCount: 0}
-	hint := mistyHousingHint(char)
+	hint := mistyHousingHint(char, HouseState{})
 	if hint != "Thank you for your time." {
 		t.Errorf("non-donor hint should be dismissive, got: %q", hint)
 	}
diff --git a/internal/plugin/adventure_scheduler.go b/internal/plugin/adventure_scheduler.go
index 1c4aab2..0459890 100644
--- a/internal/plugin/adventure_scheduler.go
+++ b/internal/plugin/adventure_scheduler.go
@@ -115,7 +115,8 @@ func (p *AdventurePlugin) sendMorningDMs() {
 		}
 
 		// Pet arrival check (fires before normal morning DM)
-		if petShouldArrive(&char) {
+		house, _ := loadHouseState(char.UserID)
+		if petShouldArrive(&char, house) {
 			p.petArrivalDM(char.UserID)
 			continue
 		}
diff --git a/internal/plugin/dnd_rest.go b/internal/plugin/dnd_rest.go
index 1599ebd..0df303e 100644
--- a/internal/plugin/dnd_rest.go
+++ b/internal/plugin/dnd_rest.go
@@ -126,8 +126,11 @@ func (p *AdventurePlugin) handleDnDLongRest(ctx MessageContext) error {
 		}
 	}
 
-	// Eligibility: housing OR pay inn fee.
-	hasHousing := advChar.HouseTier > 0
+	// Eligibility: housing OR pay inn fee. Housing read flips to
+	// player_meta via loadHouseState (L4e reader flip); falls back to
+	// adventure_characters during the soak window.
+	house, _ := loadHouseState(ctx.Sender)
+	hasHousing := house.Tier > 0
 	innPaid := false
 	if !hasHousing {
 		if p.euro == nil || !p.euro.Debit(ctx.Sender, float64(dndInnCost), "dnd_inn_long_rest") {
diff --git a/internal/plugin/dnd_sheet.go b/internal/plugin/dnd_sheet.go
index 2c785cd..10c0294 100644
--- a/internal/plugin/dnd_sheet.go
+++ b/internal/plugin/dnd_sheet.go
@@ -63,11 +63,12 @@ func (p *AdventurePlugin) handleDnDSheetCmd(ctx MessageContext) error {
 	equip, _ := loadAdvEquipment(ctx.Sender)
 	treasures, _ := loadAdvTreasureBonuses(ctx.Sender)
 	meta, _ := loadPlayerMeta(ctx.Sender)
+	house, _ := loadHouseState(ctx.Sender)
 
-	return p.SendDM(ctx.Sender, renderDnDSheet(c, advChar, meta, equip, treasures))
+	return p.SendDM(ctx.Sender, renderDnDSheet(c, advChar, meta, house, equip, treasures))
 }
 
-func renderDnDSheet(c *DnDCharacter, adv *AdventureCharacter, meta *PlayerMeta, equip map[EquipmentSlot]*AdvEquipment, treasures []AdvTreasureBonus) string {
+func renderDnDSheet(c *DnDCharacter, adv *AdventureCharacter, meta *PlayerMeta, house HouseState, equip map[EquipmentSlot]*AdvEquipment, treasures []AdvTreasureBonus) string {
 	ri, _ := raceInfo(c.Race)
 	ci, _ := classInfo(c.Class)
 	mods := c.Modifiers()
@@ -174,8 +175,8 @@ func renderDnDSheet(c *DnDCharacter, adv *AdventureCharacter, meta *PlayerMeta,
 		if adv.PetName != "" {
 			b.WriteString(fmt.Sprintf("  Pet: %s the %s (lv %d)\n", adv.PetName, adv.PetType, adv.PetLevel))
 		}
-		if adv.HouseTier > 0 {
-			b.WriteString(fmt.Sprintf("  Housing: tier %d\n", adv.HouseTier))
+		if house.Tier > 0 {
+			b.WriteString(fmt.Sprintf("  Housing: tier %d\n", house.Tier))
 		}
 	}
 
diff --git a/internal/plugin/dnd_subclass_test.go b/internal/plugin/dnd_subclass_test.go
index 173ca3c..400ace3 100644
--- a/internal/plugin/dnd_subclass_test.go
+++ b/internal/plugin/dnd_subclass_test.go
@@ -308,7 +308,7 @@ func TestSheet_ShowsSubclassWhenChosen(t *testing.T) {
 		STR: 16, DEX: 12, CON: 14, INT: 8, WIS: 10, CHA: 10,
 		Subclass: SubclassBattleMaster,
 	}
-	out := renderDnDSheet(c, nil, nil, nil, nil)
+	out := renderDnDSheet(c, nil, nil, HouseState{}, nil, nil)
 	if !strings.Contains(out, "Battle Master") {
 		t.Errorf("sheet missing subclass name:\n%s", out)
 	}
@@ -320,7 +320,7 @@ func TestSheet_PromptsWhenUnchosenAtL5(t *testing.T) {
 		Level: 5, HPMax: 40, HPCurrent: 40, ArmorClass: 16,
 		STR: 16, DEX: 12, CON: 14, INT: 8, WIS: 10, CHA: 10,
 	}
-	out := renderDnDSheet(c, nil, nil, nil, nil)
+	out := renderDnDSheet(c, nil, nil, HouseState{}, nil, nil)
 	if !strings.Contains(out, "!subclass") {
 		t.Errorf("sheet should nudge `!subclass` when unchosen at L5:\n%s", out)
 	}