See how much rental income from your property can offset your mortgage payment.
Your Property
Rental Income
Results
House hacking means buying a property, living in one unit or room, and renting out the rest to offset your housing costs. Common strategies include duplex/triplex/fourplex purchases, renting basement or ADU units, or renting rooms in a single-family home.
FHA loans allow 3.5% down on 2–4 unit properties if you live in one unit, making this a common entry strategy for first-time real estate investors.
Net cost = Total PITI + maintenance − rental income after vacancy. A negative net cost means your renters are covering more than your full payment.
⚠️ Results are estimates. Does not include income tax on rental income, landlord insurance, capital expenditures, or property management costs. Consult a tax advisor and real estate professional.