Investment Analysis · Calculator

House Hacking ROI

Estimate net housing cost and effective return when you live in part of the property and rent the remainder.

Inputs

Owner-occupies part of the property and rents the rest. ROI framed as savings vs renting a comparable home plus cash invested.

Purchase price ($)

Down payment (%)Owner-occ financing may allow lower down

Interest rate (%)

Term (years)

Closing costs ($)

Your unit — equivalent rent ($ / mo)What you’d pay to rent a similar place

Income from rented portion ($ / mo)

Vacancy on rental income (%)

Property taxes ($ / yr)

Insurance ($ / yr)

HOA ($ / mo)

Maintenance ($ / yr)

Utilities you pay ($ / yr)

Results

Monthly P&I

$3,235

Cash invested

$35,250

Effective rent collected (yr)

$27,648

OpEx (yr)

$14,400

Net housing cost / mo

$2,131

Comparable rent / mo (owner unit)

$1,800

Monthly savings vs renting

-$331

Effective return on cash

-11.26%

Educational disclaimer: For educational purposes only. Not financial, legal, tax, or investment advice. Results depend on your inputs and local conditions. Verify assumptions with qualified professionals before making decisions.