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FFSJTMWTD|HOUSE HACK — DEAL ANALYSER HUB
FREE · LIVE RATES · NO BS
Free · No credit card · Instant access

House Hack
Deal Analyser

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.

Deal Score 1–10Multi-unit supportRent vs. Buy vs. HackBank-ready report

Free forever · No spam · Unsubscribe anytime

8+
Key metrics
All 50
States covered
< 3 min
To complete
100%
Free, always
HOW IT WORKS4 STEPS
01

Enter the property details

Purchase price, down payment, state, and loan type. Takes 60 seconds.

02

Add your rental units

Input rent for each unit you'll rent out. Duplex, triplex, fourplex, or single-family with ADU.

03

See your Deal Score

Instant 1–10 score with a plain-English verdict. Plus your monthly housing cost after hacking.

04

Generate your bank report

One click. Printable. In the format lenders expect for investment property financing.

WHAT'S INCLUDED8 FEATURES

Housing Cost After Hacking

See exactly what you pay per month after rental income offsets your mortgage, taxes, insurance, and HOA. The number most buyers never calculate.

Deal Score (1–10)

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.

Rent vs. Buy vs. Hack

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.

Live FRED Mortgage Rates

30-year and 15-year fixed rates pulled directly from the Federal Reserve. No stale defaults — your numbers reflect today's market.

Multi-Unit Support

Model duplex, triplex, fourplex, or single-family with ADU. Add up to 4 rental units with individual rent inputs. Works for any configuration.

Tenant Coverage Ratio

What percentage of your total housing cost are tenants covering? This single number tells you how good the hack is at a glance.

Bank-Ready Report

Generate a printable investment analysis report in the format lenders expect. Bring it to your first meeting and walk in prepared.

State-by-State Closing Costs

Full cash-to-close breakdown for all 50 states. Know your total upfront cost — not just the down payment.

UNDERSTANDING YOUR DEAL SCORE1–10 SCALE

Most calculators give you numbers. We give you a verdict. The Deal Score tells you instantly whether this property is worth pursuing.

10
You live for free

Tenants cover 100% of your costs. You own the building and pay nothing to live in it.

7–9
Strong hack

Saving 40–100% vs. renting. Tenants are doing the heavy lifting while you build equity.

5–6
Ahead of renting

Saving 10–40% vs. renting. You own the building and your net worth is growing every month.

3–4
Break-even — eyes open

About the same as renting right now. Only makes sense with a clear appreciation or rent-growth thesis.

FREQUENTLY ASKED QUESTIONS6 QUESTIONS

What is house hacking?

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.

Is this calculator free?

Yes. Enter your email to unlock it — no credit card, no subscription. You get the full calculator and bank-ready report at no cost.

What loan types does it support?

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.

What is the Deal Score?

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.

Does it work for single-family homes with an ADU?

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.

How does the Rent vs. Buy vs. Hack comparison work?

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.

From the FFSJTMWTD Series

Want to understand every number on this page?

The FFSJTMWTD property series covers house hacking, rental investing, and mortgages in plain English. No jargon. No theory. Just the framework.

Ready to score your deal?

Free. No credit card. No subscription. Your Deal Score, housing cost after hacking, and 10-year wealth comparison in under 3 minutes.