Plan a house hack from affordability analysis through projecting when you live for free.
Calculate your maximum purchase price based on income, debts, down payment savings, and current interest rates.
Open Calculator →Calculate your full PITI payment — principal, interest, taxes, and insurance — and stress-test against rate changes.
Open Calculator →Research and project rental income from the units you will rent out to offset your housing costs.
Open Calculator →Subtract projected rental income from your mortgage payment to determine your actual out-of-pocket housing cost.
Open Calculator →Model rent increases over time to project when rental income fully covers your mortgage — the "live free" milestone.
Open Calculator →FHA 3.5% down + rental income = lowest barrier to entry. You can house-hack with as little as $10K-15K out of pocket on a $300K property.
