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The most comprehensive free house hacking calculator in the US. See your Deal Score, housing cost after hacking, and a 10-year wealth comparison — in under 3 minutes.
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Purchase price, down payment, state, and loan type. Takes 60 seconds.
Input rent for each unit you'll rent out. Duplex, triplex, fourplex, or single-family with ADU.
Instant 1–10 score with a plain-English verdict. Plus your monthly housing cost after hacking.
One click. Printable. In the format lenders expect for investment property financing.
See exactly what you pay per month after rental income offsets your mortgage, taxes, insurance, and HOA. The number most buyers never calculate.
A single score that tells you how good the hack is. 10 = you live for free. 5 = you're ahead of renting. 3 = needs work. Instant verdict on any property.
Three-way 10-year wealth comparison. See exactly how much equity and net worth you build by house hacking vs. renting vs. buying without tenants.
30-year and 15-year fixed rates pulled directly from the Federal Reserve. No stale defaults — your numbers reflect today's market.
Model duplex, triplex, fourplex, or single-family with ADU. Add up to 4 rental units with individual rent inputs. Works for any configuration.
What percentage of your total housing cost are tenants covering? This single number tells you how good the hack is at a glance.
Generate a printable investment analysis report in the format lenders expect. Bring it to your first meeting and walk in prepared.
Full cash-to-close breakdown for all 50 states. Know your total upfront cost — not just the down payment.
Most calculators give you numbers. We give you a verdict. The Deal Score tells you instantly whether this property is worth pursuing.
Tenants cover 100% of your costs. You own the building and pay nothing to live in it.
Saving 40–100% vs. renting. Tenants are doing the heavy lifting while you build equity.
Saving 10–40% vs. renting. You own the building and your net worth is growing every month.
About the same as renting right now. Only makes sense with a clear appreciation or rent-growth thesis.
House hacking is buying a multi-unit property (duplex, triplex, fourplex) or a single-family home with an ADU, living in one unit, and renting out the others. The rental income offsets your mortgage — sometimes to zero. It's the most accessible path to owning investment property.
Yes. Enter your email to unlock it — no credit card, no subscription. You get the full calculator and bank-ready report at no cost.
Conventional 30yr, Conventional 15yr, and FHA. FHA allows as little as 3.5% down on owner-occupied multi-family properties (up to 4 units) — one of the most powerful house hacking financing tools available.
A 1–10 score that tells you how good the hack is. It's calculated from your tenant coverage ratio (what % of your housing cost tenants cover), your monthly cost vs. renting, and your equity build rate. 10 = you live for free. 5 = you're ahead of renting. Below 4 = needs a strong appreciation thesis.
Yes. Select 'Single-Family + ADU' as your property type and add the ADU rent as a single rental unit. The calculator handles any configuration from a single ADU to a fourplex.
The calculator models three 10-year scenarios: (1) continuing to rent, (2) buying without tenants, and (3) house hacking. It compares total out-of-pocket costs, equity built, and net worth position at year 5 and year 10 so you can see the full financial picture.