House Hacking Cash Flow Estimator

Property Details

Purchase Price

Down Payment

Interest Rate

Loan Term

Annual Property Tax

Annual Insurance

Monthly PMI

Income & Expenses

Total Units

Rent Per Unit (monthly)

Vacancy

Repairs

CapEx

Mgmt

How House Hacking Works

1 Buy a multi-unit (duplex, triplex, or fourplex) using an owner-occupied loan like FHA
2 Live in one unit and rent out the remaining units to tenants
3 Tenants pay your mortgage — your net cost to live drops to near zero or even turns into profit

The FHA Advantage

FHA loans allow you to purchase up to a 4-unit property with just 3.5% down as long as you live in one unit. This is the most powerful tool for first-time house hackers.

The "50% Rule"

A common real estate rule of thumb: about 50% of gross rent goes to operating expenses over the long run. The defaults above (5% each for vacancy, repairs, and CapEx) total 15%, which is conservative for newer properties. Increase them for older buildings.

Net Monthly Cash Flow

Down Payment

Monthly Breakdown

Income vs. Expenses

Rental Income $0

Mortgage (PITI) $0

Operating Expenses $0

Operating Expense Detail

Disclaimer: This is an estimate for educational purposes only. Actual costs will vary based on lender terms, local taxes, insurance quotes, and market conditions. This does not constitute financial or investment advice. Always consult a mortgage professional and do your own due diligence.