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Loading your house hack analysis...
Enter property details to see offset
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Your Housing Cost
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Mortgage Offset
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% covered by tenants
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Your Housing Cost
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What you actually pay
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Rental Income
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From other units
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Move-Out Cash Flow
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If you rent all units
🎯 The Verdict
Enter your property numbers below.
🏘️ Property Details
Multi-unit property info
📋 Monthly Expenses
Full PITI + operating costs
What this means in plain English
House hacking means using rental income from your property to cover part — or all — of your housing costs. The goal is to cut your out-of-pocket housing expense as close to zero as possible.
What you should do next
- If your offset is under 50%, look at adding another unit or Airbnb-ing an extra room to close the gap.
- Refinancing into a lower rate or adding a unit raises your offset more reliably than raising existing rents.
- Track actual vs. projected rent each month — vacancy gaps hurt more than most owners expect.
- When you move out, convert your unit to a rental too — that's when house hacking becomes a full cash-flowing property.
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Unit-by-Unit Breakdown
Revenue from each rental unit vs your total costs
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Move-Out Scenario
What happens when you rent ALL units and move out
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2/3/4 Unit Comparison
How different unit counts change the math
Income vs Costs
Cost Breakdown
Offset by Unit Count
5-Year Equity Growth
House Hacking Report
Vault & Vessel Studio ·
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How To Use
See if house hacking can eliminate your housing cost
🚀 Getting Started
1
Enter Property Info
Price, down payment, rate, number of units, and average rent per unit.
2
Add Operating Costs
Taxes, insurance, utilities, maintenance, and vacancy reserve.
3
See Your Offset
What % of your mortgage + expenses the rental units cover. 100%+ = you live for free.
4
Plan the Move-Out
See what cash flow looks like when you eventually move out and rent ALL units.
📊 Terms Made Simple
House Hacking: Buying a 2-4 unit property, living in one unit, and renting the others. FHA loans allow as low as 3.5% down on owner-occupied properties up to 4 units.
Mortgage Offset: The percentage of your total housing cost (PITI + expenses) covered by rental income. 100% = tenants pay your entire mortgage. Over 100% = you profit while living there.
PITI: Principal + Interest + Taxes + Insurance. This is your full monthly housing payment — the number that matters, not just the mortgage amount.
FHA Multi-Family: FHA allows 3.5% down on 2-4 unit properties if you live in one unit. This is the most powerful first-time investor hack — traditional investment loans require 20-25% down.
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⚠️ This is a directional estimate, not investment advice. Actual costs vary. FHA loans have mortgage insurance premiums not included here. Consult a lender.