🏠 Free Calculator

House Hacking Calculator

Find out how much rental income can offset your mortgage — and what your real cost to live is after tenants pay you.

🏡 Property & Mortgage
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= $20,000
%
yrs
$
Closing costs (3%) estimated automatically
💰 Rental Income
%
Industry default: 5–10%
📊 Monthly Operating Expenses
$
$
$
$
Tip: budget 1% of home value / year
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What is House Hacking?

House hacking means buying a multi-unit or multi-bedroom property, living in one unit/room, and renting out the rest. Done right, your tenants cover most — or all — of your housing cost while you build equity.

FHA loans allow as little as 3.5% down on owner-occupied 2–4 unit properties, making this one of the most accessible paths to real estate investing.

📈 Your House Hacking Numbers

Monthly Cash Flow Breakdown