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True housing cost. Cash-on-cash return. BRRRR and value-add modelling. And a professional bank-ready report that gives you a real edge walking into a lender.
Not a basic mortgage calculator. A full investment deal analyser.
See exactly how much — or how little — you pay to live each month after tenant rent offsets your mortgage.
Calculates your annual return on the cash you actually put in — the number every serious investor tracks.
Switch between loan types in one click. FHA 203k rolls renovation costs into the loan — perfect for distressed deals.
Generate a professional investment analysis report you can hand to a lender or mortgage broker in minutes.
Model renovation scenarios, ARV uplift, and cash-out refinance to see how much capital you can recycle.
Compare long-term rent vs short-term rental income side by side to find the highest-return strategy.
Purchase price, loan type, down payment, interest rate, and number of units.
Enter the rent for each tenant unit. The calculator automatically identifies your owner-occupied unit.
See your true housing cost, cash-on-cash return, deal score, and 5-year equity projection instantly.
Click 'Generate Bank Report' to produce a professional analysis document ready to share with your lender.
Every number a lender or investor will ask you for.
A house hack is when you buy a multi-unit property (duplex, triplex, or fourplex), live in one unit, and rent out the others. The tenant rent offsets — or completely eliminates — your mortgage payment, letting you live for free or near-free while building equity.
The calculator supports FHA (3.5% down, includes monthly MIP), Conventional (5–20% down, no MIP above 20%), and FHA Plus Reno / FHA 203k (3.5% down with renovation budget rolled into the loan — ideal for distressed properties that need work).
The bank report is a professionally formatted investment analysis document that includes your deal summary, loan structure, rental income analysis, cash flow projections, and comparable market rents. It's designed to be handed directly to a lender or mortgage broker.
BRRRR stands for Buy, Renovate, Rent, Refinance, Repeat. You buy a distressed property below market value, renovate it to force appreciation, then do a cash-out refinance at the new value to pull your original capital back out — and repeat the process with the same money.
Yes. The House Hack Calculator is completely free to use. You'll be asked for your name and email when you first open it — this unlocks the full tool and adds you to our free property investing tips email series.
A mortgage calculator only tells you your monthly payment. This calculator tells you your true housing cost after rental income, your cash-on-cash return, your deal score, your equity position, and generates a bank-ready report — everything you need to decide whether a deal is worth buying.
"I had no idea my tenants could cover 80% of my mortgage. This calculator changed how I think about property."
— First-time investor, Denver CO