House Hacking Calculator

Estimate how rent from roommates or additional units changes your monthly housing cost while accounting for vacancy and owner-paid expenses.

House Hacking Formula

Net housing cost = mortgage and owner costs − effective rent collected. Effective rent should reflect vacancy and nonpayment rather than assuming every room or unit remains occupied all year.

Separate Savings from Profit

Reduced housing cost is valuable, but it is not the same as investment cash flow. Include maintenance, utilities, privacy tradeoffs, and local occupancy rules, then model the property in Snap & Map.