Deal Inputs — House Hack
$
$
FHA minimum: 3.5% · Conventional: 5–20%
%
years
units
Exclude your unit — count only the ones you rent out
$
%
Typical: 5–8%. One vacant month/yr ≈ 8%
$
What you'd pay in rent to live there — your implicit savings
$
$
$
Live Numbers
Monthly Mortgage
—
P&I only
Total Monthly Cost
—
PITI + reserves
Effective Rental Income
—
After vacancy
Your Net Housing Cost
—
What you actually pay
Monthly Savings vs Rent
—
vs market rent
Annual Cash Benefit
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See breakdown below
⚠️ Key assumption: This estimate assumes your rental units are occupied at the entered rent 95% of the time. A single vacant unit changes your net cost significantly — see AI analysis for stress details.
Annual Benefit — How It's Built
Rent Savings (vs market rent)
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Est. Principal Paydown (Yr 1)
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Est. Tax Benefit (estimate only)
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Total Est. Annual Benefit
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This is a directional estimate, not full underwriting. Actual results depend on vacancy, condition, financing terms, and local market conditions.
Deal Breakdown
Investor-Grade Analysis 🔒
🔒 Cap Rate
4.8%
Actual vs stabilized
🔒 Cash-on-Cash
7.2%
Return on cash invested
🔒 DSCR
1.14
Debt service coverage
🔒 Stress Test
Breaks at $1,420
Rent floor before loss
One vacant unit changes your cost by $1,800+/month. Unlock stress testing, DSCR, cap rate, cash-on-cash, and AI negotiation strategy before you make an offer.
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AI Analysis
Breakdown
Negotiation Strategy
Top Risks to Watch