House Hack Calculator
See if tenants can pay your housing cost.
Analyze owner-occupied multifamily deals, rented units, personal housing savings, and rent coverage.
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Deal Analysis
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Property Type
Fourplex / Small Multifamily
Purchase Price
$450,000
Loan Amount
$450,000
Gross Rent
$4,500/mo
Vireon Read
This house hack has an estimated owner out-of-pocket cost of -$326 per month and changes your housing position by $2,126 per month compared to your current housing cost.
Vireon Decision
BUY
✓
This house hack looks strong. Tenant income either covers your housing cost or creates major savings compared to your current housing payment.
Owner Cost
-$326/mo
Monthly Savings
$2,126/mo
Rent Coverage
107.8%
Cap Rate
8.7%
Cash on Cash
364.5%
Cash Flow Breakdown
Gross Rent$4,500
Mortgage Payment-$2,919
Operating Expenses-$1,255
Owner Out of Pocket+$326
Savings vs Current Housing$2,126
Expenses Breakdown
Mortgage$2,919
Tax$350
Insurance$180
Maintenance$250
Vacancy Loss$225
Management$0
Utilities / HOA$250
AI Insights
Decision signal: BUY
Owner out-of-pocket is -$326 per month.
Monthly savings vs current housing is $2,126.
Rent coverage is 107.8%.
Recommendation Guide
REJECT
Too costly
NEGOTIATE
Improve deal
BUY
Strong house hack