Investment strategy
House Hacking Calculator
How do rents from other units or rooms affect modeled housing cost?
Current owner-occupied analysis
Current collected rent excludes the owner-occupied space.
| Metric | Annual amount |
|---|---|
| Scheduled rent | $20,400 |
| Effective gross income | $19,380 |
| Operating expenses | $7,389 |
| NOI | $11,991 |
| CapEx | $1,020 |
| Debt service | $21,237 |
| Pre-tax cash flow | -$10,266 |
Fully rented future analysis
Includes every entered unit or room rent and remains an assumption-based estimate.
| Metric | Annual amount |
|---|---|
| Scheduled rent | $39,600 |
| Effective gross income | $37,620 |
| Operating expenses | $9,261 |
| NOI | $28,359 |
| CapEx | $1,980 |
| Debt service | $21,237 |
| Pre-tax cash flow | $5,142 |
| Total cash invested | $76,000 |
| Cap rate | 8.1% |
| Cash-on-cash return | 6.8% |
| DSCR | 1.34 |
Assumption-based planning
Results depend on user-entered financing, rent, cost, and value assumptions. They are not investment, lending, zoning, tax, engineering, or eligibility determinations.