Datasets:
scenario string | city string | state string | propertyType string | totalUnits int64 | rentableUnits int64 | purchasePrice int64 | loanType string | downPayment int64 | downPaymentPercent float64 | loanAmount int64 | interestRate float64 | monthlyPITI int64 | breakdown dict | rentalIncome dict | ownerResults dict | recommendation string | insight string | expert string | source string | lastUpdated timestamp[s] |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Memphis, TN duplex with FHA loan | Memphis | TN | duplex | 2 | 1 | 285,000 | FHA | 9,975 | 3.5 | 280,013 | 6.375 | 2,450 | {
"principalInterest": 1747,
"taxes": 392,
"insurance": 183,
"mortgageInsurance": 128
} | {
"grossMonthly": 950,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 808
} | {
"monthlyOutOfPocket": 1643,
"effectiveHousingCost": 1643,
"cashOnCashReturn": 97.1,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1643/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Memphis, TN duplex with Conventional loan | Memphis | TN | duplex | 2 | 1 | 285,000 | Conventional | 14,250 | 5 | 270,750 | 6.5 | 2,390 | {
"principalInterest": 1711,
"taxes": 392,
"insurance": 183,
"mortgageInsurance": 104
} | {
"grossMonthly": 950,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 808
} | {
"monthlyOutOfPocket": 1583,
"effectiveHousingCost": 1583,
"cashOnCashReturn": 68,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1583/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Memphis, TN duplex with VA loan | Memphis | TN | duplex | 2 | 1 | 285,000 | VA | 0 | 0 | 291,128 | 6.25 | 2,368 | {
"principalInterest": 1793,
"taxes": 392,
"insurance": 183,
"mortgageInsurance": 0
} | {
"grossMonthly": 950,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 808
} | {
"monthlyOutOfPocket": 1560,
"effectiveHousingCost": 1560,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1560/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Memphis, TN triplex with FHA loan | Memphis | TN | triplex | 3 | 2 | 399,000 | FHA | 13,965 | 3.5 | 392,018 | 6.375 | 3,357 | {
"principalInterest": 2446,
"taxes": 549,
"insurance": 183,
"mortgageInsurance": 180
} | {
"grossMonthly": 1900,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1615
} | {
"monthlyOutOfPocket": 1742,
"effectiveHousingCost": 1742,
"cashOnCashReturn": 138.8,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1742/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Memphis, TN triplex with Conventional loan | Memphis | TN | triplex | 3 | 2 | 399,000 | Conventional | 19,950 | 5 | 379,050 | 6.5 | 3,273 | {
"principalInterest": 2396,
"taxes": 549,
"insurance": 183,
"mortgageInsurance": 145
} | {
"grossMonthly": 1900,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1615
} | {
"monthlyOutOfPocket": 1658,
"effectiveHousingCost": 1658,
"cashOnCashReturn": 97.1,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1658/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Memphis, TN triplex with VA loan | Memphis | TN | triplex | 3 | 2 | 399,000 | VA | 0 | 0 | 407,579 | 6.25 | 3,241 | {
"principalInterest": 2510,
"taxes": 549,
"insurance": 183,
"mortgageInsurance": 0
} | {
"grossMonthly": 1900,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1615
} | {
"monthlyOutOfPocket": 1626,
"effectiveHousingCost": 1626,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1626/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Memphis, TN fourplex with FHA loan | Memphis | TN | fourplex | 4 | 3 | 498,750 | FHA | 17,456 | 3.5 | 490,022 | 6.375 | 4,151 | {
"principalInterest": 3057,
"taxes": 686,
"insurance": 183,
"mortgageInsurance": 225
} | {
"grossMonthly": 2850,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2423
} | {
"monthlyOutOfPocket": 1728,
"effectiveHousingCost": 1728,
"cashOnCashReturn": 166.5,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1728/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Memphis, TN fourplex with Conventional loan | Memphis | TN | fourplex | 4 | 3 | 498,750 | Conventional | 24,938 | 5 | 473,813 | 6.5 | 4,046 | {
"principalInterest": 2995,
"taxes": 686,
"insurance": 183,
"mortgageInsurance": 182
} | {
"grossMonthly": 2850,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2423
} | {
"monthlyOutOfPocket": 1623,
"effectiveHousingCost": 1623,
"cashOnCashReturn": 116.6,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1623/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Memphis, TN fourplex with VA loan | Memphis | TN | fourplex | 4 | 3 | 498,750 | VA | 0 | 0 | 509,473 | 6.25 | 4,006 | {
"principalInterest": 3137,
"taxes": 686,
"insurance": 183,
"mortgageInsurance": 0
} | {
"grossMonthly": 2850,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2423
} | {
"monthlyOutOfPocket": 1584,
"effectiveHousingCost": 1584,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1584/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Jackson, MS duplex with FHA loan | Jackson | MS | duplex | 2 | 1 | 165,000 | FHA | 5,775 | 3.5 | 162,113 | 6.375 | 1,498 | {
"principalInterest": 1011,
"taxes": 195,
"insurance": 217,
"mortgageInsurance": 74
} | {
"grossMonthly": 700,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 595
} | {
"monthlyOutOfPocket": 903,
"effectiveHousingCost": 903,
"cashOnCashReturn": 123.6,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $903/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Jackson, MS duplex with Conventional loan | Jackson | MS | duplex | 2 | 1 | 165,000 | Conventional | 8,250 | 5 | 156,750 | 6.5 | 1,463 | {
"principalInterest": 991,
"taxes": 195,
"insurance": 217,
"mortgageInsurance": 60
} | {
"grossMonthly": 700,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 595
} | {
"monthlyOutOfPocket": 868,
"effectiveHousingCost": 868,
"cashOnCashReturn": 86.5,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $868/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Jackson, MS duplex with VA loan | Jackson | MS | duplex | 2 | 1 | 165,000 | VA | 0 | 0 | 168,548 | 6.25 | 1,450 | {
"principalInterest": 1038,
"taxes": 195,
"insurance": 217,
"mortgageInsurance": 0
} | {
"grossMonthly": 700,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 595
} | {
"monthlyOutOfPocket": 855,
"effectiveHousingCost": 855,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $855/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Jackson, MS triplex with FHA loan | Jackson | MS | triplex | 3 | 2 | 231,000 | FHA | 8,085 | 3.5 | 226,958 | 6.375 | 2,010 | {
"principalInterest": 1416,
"taxes": 273,
"insurance": 217,
"mortgageInsurance": 104
} | {
"grossMonthly": 1400,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1190
} | {
"monthlyOutOfPocket": 820,
"effectiveHousingCost": 820,
"cashOnCashReturn": 176.6,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $820/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Jackson, MS triplex with Conventional loan | Jackson | MS | triplex | 3 | 2 | 231,000 | Conventional | 11,550 | 5 | 219,450 | 6.5 | 1,961 | {
"principalInterest": 1387,
"taxes": 273,
"insurance": 217,
"mortgageInsurance": 84
} | {
"grossMonthly": 1400,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1190
} | {
"monthlyOutOfPocket": 771,
"effectiveHousingCost": 771,
"cashOnCashReturn": 123.6,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $771/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Jackson, MS triplex with VA loan | Jackson | MS | triplex | 3 | 2 | 231,000 | VA | 0 | 0 | 235,967 | 6.25 | 1,943 | {
"principalInterest": 1453,
"taxes": 273,
"insurance": 217,
"mortgageInsurance": 0
} | {
"grossMonthly": 1400,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1190
} | {
"monthlyOutOfPocket": 753,
"effectiveHousingCost": 753,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $753/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Jackson, MS fourplex with FHA loan | Jackson | MS | fourplex | 4 | 3 | 288,750 | FHA | 10,106 | 3.5 | 283,697 | 6.375 | 2,458 | {
"principalInterest": 1770,
"taxes": 342,
"insurance": 217,
"mortgageInsurance": 130
} | {
"grossMonthly": 2100,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1785
} | {
"monthlyOutOfPocket": 673,
"effectiveHousingCost": 673,
"cashOnCashReturn": 211.9,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $673/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Jackson, MS fourplex with Conventional loan | Jackson | MS | fourplex | 4 | 3 | 288,750 | Conventional | 14,438 | 5 | 274,313 | 6.5 | 2,397 | {
"principalInterest": 1734,
"taxes": 342,
"insurance": 217,
"mortgageInsurance": 105
} | {
"grossMonthly": 2100,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1785
} | {
"monthlyOutOfPocket": 612,
"effectiveHousingCost": 612,
"cashOnCashReturn": 148.4,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $612/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Jackson, MS fourplex with VA loan | Jackson | MS | fourplex | 4 | 3 | 288,750 | VA | 0 | 0 | 294,958 | 6.25 | 2,374 | {
"principalInterest": 1816,
"taxes": 342,
"insurance": 217,
"mortgageInsurance": 0
} | {
"grossMonthly": 2100,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1785
} | {
"monthlyOutOfPocket": 589,
"effectiveHousingCost": 589,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $589/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Birmingham, AL duplex with FHA loan | Birmingham | AL | duplex | 2 | 1 | 225,000 | FHA | 7,875 | 3.5 | 221,063 | 6.375 | 1,749 | {
"principalInterest": 1379,
"taxes": 94,
"insurance": 175,
"mortgageInsurance": 101
} | {
"grossMonthly": 850,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 723
} | {
"monthlyOutOfPocket": 1027,
"effectiveHousingCost": 1027,
"cashOnCashReturn": 110.1,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1027/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Birmingham, AL duplex with Conventional loan | Birmingham | AL | duplex | 2 | 1 | 225,000 | Conventional | 11,250 | 5 | 213,750 | 6.5 | 1,702 | {
"principalInterest": 1351,
"taxes": 94,
"insurance": 175,
"mortgageInsurance": 82
} | {
"grossMonthly": 850,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 723
} | {
"monthlyOutOfPocket": 979,
"effectiveHousingCost": 979,
"cashOnCashReturn": 77.1,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $979/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Birmingham, AL duplex with VA loan | Birmingham | AL | duplex | 2 | 1 | 225,000 | VA | 0 | 0 | 229,838 | 6.25 | 1,684 | {
"principalInterest": 1415,
"taxes": 94,
"insurance": 175,
"mortgageInsurance": 0
} | {
"grossMonthly": 850,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 723
} | {
"monthlyOutOfPocket": 961,
"effectiveHousingCost": 961,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $961/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Birmingham, AL triplex with FHA loan | Birmingham | AL | triplex | 3 | 2 | 315,000 | FHA | 11,025 | 3.5 | 309,488 | 6.375 | 2,379 | {
"principalInterest": 1931,
"taxes": 131,
"insurance": 175,
"mortgageInsurance": 142
} | {
"grossMonthly": 1700,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1445
} | {
"monthlyOutOfPocket": 934,
"effectiveHousingCost": 934,
"cashOnCashReturn": 157.3,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $934/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Birmingham, AL triplex with Conventional loan | Birmingham | AL | triplex | 3 | 2 | 315,000 | Conventional | 15,750 | 5 | 299,250 | 6.5 | 2,312 | {
"principalInterest": 1891,
"taxes": 131,
"insurance": 175,
"mortgageInsurance": 115
} | {
"grossMonthly": 1700,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1445
} | {
"monthlyOutOfPocket": 867,
"effectiveHousingCost": 867,
"cashOnCashReturn": 110.1,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $867/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Birmingham, AL triplex with VA loan | Birmingham | AL | triplex | 3 | 2 | 315,000 | VA | 0 | 0 | 321,773 | 6.25 | 2,287 | {
"principalInterest": 1981,
"taxes": 131,
"insurance": 175,
"mortgageInsurance": 0
} | {
"grossMonthly": 1700,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1445
} | {
"monthlyOutOfPocket": 842,
"effectiveHousingCost": 842,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $842/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Birmingham, AL fourplex with FHA loan | Birmingham | AL | fourplex | 4 | 3 | 393,750 | FHA | 13,781 | 3.5 | 386,859 | 6.375 | 2,930 | {
"principalInterest": 2413,
"taxes": 164,
"insurance": 175,
"mortgageInsurance": 177
} | {
"grossMonthly": 2550,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2168
} | {
"monthlyOutOfPocket": 762,
"effectiveHousingCost": 762,
"cashOnCashReturn": 188.7,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $762/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Birmingham, AL fourplex with Conventional loan | Birmingham | AL | fourplex | 4 | 3 | 393,750 | Conventional | 19,688 | 5 | 374,063 | 6.5 | 2,847 | {
"principalInterest": 2364,
"taxes": 164,
"insurance": 175,
"mortgageInsurance": 143
} | {
"grossMonthly": 2550,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2168
} | {
"monthlyOutOfPocket": 679,
"effectiveHousingCost": 679,
"cashOnCashReturn": 132.1,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $679/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Birmingham, AL fourplex with VA loan | Birmingham | AL | fourplex | 4 | 3 | 393,750 | VA | 0 | 0 | 402,216 | 6.25 | 2,816 | {
"principalInterest": 2477,
"taxes": 164,
"insurance": 175,
"mortgageInsurance": 0
} | {
"grossMonthly": 2550,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2168
} | {
"monthlyOutOfPocket": 648,
"effectiveHousingCost": 648,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $648/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Little Rock, AR duplex with FHA loan | Little Rock | AR | duplex | 2 | 1 | 215,000 | FHA | 7,525 | 3.5 | 211,238 | 6.375 | 1,717 | {
"principalInterest": 1318,
"taxes": 111,
"insurance": 192,
"mortgageInsurance": 97
} | {
"grossMonthly": 800,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 680
} | {
"monthlyOutOfPocket": 1037,
"effectiveHousingCost": 1037,
"cashOnCashReturn": 108.4,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1037/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Little Rock, AR duplex with Conventional loan | Little Rock | AR | duplex | 2 | 1 | 215,000 | Conventional | 10,750 | 5 | 204,250 | 6.5 | 1,672 | {
"principalInterest": 1291,
"taxes": 111,
"insurance": 192,
"mortgageInsurance": 78
} | {
"grossMonthly": 800,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 680
} | {
"monthlyOutOfPocket": 992,
"effectiveHousingCost": 992,
"cashOnCashReturn": 75.9,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $992/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Little Rock, AR duplex with VA loan | Little Rock | AR | duplex | 2 | 1 | 215,000 | VA | 0 | 0 | 219,623 | 6.25 | 1,655 | {
"principalInterest": 1352,
"taxes": 111,
"insurance": 192,
"mortgageInsurance": 0
} | {
"grossMonthly": 800,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 680
} | {
"monthlyOutOfPocket": 975,
"effectiveHousingCost": 975,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $975/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Little Rock, AR triplex with FHA loan | Little Rock | AR | triplex | 3 | 2 | 301,000 | FHA | 10,535 | 3.5 | 295,733 | 6.375 | 2,328 | {
"principalInterest": 1845,
"taxes": 156,
"insurance": 192,
"mortgageInsurance": 136
} | {
"grossMonthly": 1600,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1360
} | {
"monthlyOutOfPocket": 968,
"effectiveHousingCost": 968,
"cashOnCashReturn": 154.9,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $968/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Little Rock, AR triplex with Conventional loan | Little Rock | AR | triplex | 3 | 2 | 301,000 | Conventional | 15,050 | 5 | 285,950 | 6.5 | 2,264 | {
"principalInterest": 1807,
"taxes": 156,
"insurance": 192,
"mortgageInsurance": 110
} | {
"grossMonthly": 1600,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1360
} | {
"monthlyOutOfPocket": 904,
"effectiveHousingCost": 904,
"cashOnCashReturn": 108.4,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $904/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Little Rock, AR triplex with VA loan | Little Rock | AR | triplex | 3 | 2 | 301,000 | VA | 0 | 0 | 307,472 | 6.25 | 2,240 | {
"principalInterest": 1893,
"taxes": 156,
"insurance": 192,
"mortgageInsurance": 0
} | {
"grossMonthly": 1600,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1360
} | {
"monthlyOutOfPocket": 880,
"effectiveHousingCost": 880,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $880/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Little Rock, AR fourplex with FHA loan | Little Rock | AR | fourplex | 4 | 3 | 376,250 | FHA | 13,169 | 3.5 | 369,666 | 6.375 | 2,862 | {
"principalInterest": 2306,
"taxes": 194,
"insurance": 192,
"mortgageInsurance": 169
} | {
"grossMonthly": 2400,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2040
} | {
"monthlyOutOfPocket": 822,
"effectiveHousingCost": 822,
"cashOnCashReturn": 185.9,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $822/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Little Rock, AR fourplex with Conventional loan | Little Rock | AR | fourplex | 4 | 3 | 376,250 | Conventional | 18,813 | 5 | 357,438 | 6.5 | 2,782 | {
"principalInterest": 2259,
"taxes": 194,
"insurance": 192,
"mortgageInsurance": 137
} | {
"grossMonthly": 2400,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2040
} | {
"monthlyOutOfPocket": 742,
"effectiveHousingCost": 742,
"cashOnCashReturn": 130.1,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $742/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Little Rock, AR fourplex with VA loan | Little Rock | AR | fourplex | 4 | 3 | 376,250 | VA | 0 | 0 | 384,339 | 6.25 | 2,753 | {
"principalInterest": 2366,
"taxes": 194,
"insurance": 192,
"mortgageInsurance": 0
} | {
"grossMonthly": 2400,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2040
} | {
"monthlyOutOfPocket": 713,
"effectiveHousingCost": 713,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $713/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Louisville, KY duplex with FHA loan | Louisville | KY | duplex | 2 | 1 | 275,000 | FHA | 9,625 | 3.5 | 270,188 | 6.375 | 2,215 | {
"principalInterest": 1686,
"taxes": 248,
"insurance": 158,
"mortgageInsurance": 124
} | {
"grossMonthly": 900,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 765
} | {
"monthlyOutOfPocket": 1450,
"effectiveHousingCost": 1450,
"cashOnCashReturn": 95.4,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1450/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Louisville, KY duplex with Conventional loan | Louisville | KY | duplex | 2 | 1 | 275,000 | Conventional | 13,750 | 5 | 261,250 | 6.5 | 2,157 | {
"principalInterest": 1651,
"taxes": 248,
"insurance": 158,
"mortgageInsurance": 100
} | {
"grossMonthly": 900,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 765
} | {
"monthlyOutOfPocket": 1392,
"effectiveHousingCost": 1392,
"cashOnCashReturn": 66.8,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1392/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Louisville, KY duplex with VA loan | Louisville | KY | duplex | 2 | 1 | 275,000 | VA | 0 | 0 | 280,913 | 6.25 | 2,135 | {
"principalInterest": 1730,
"taxes": 248,
"insurance": 158,
"mortgageInsurance": 0
} | {
"grossMonthly": 900,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 765
} | {
"monthlyOutOfPocket": 1370,
"effectiveHousingCost": 1370,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1370/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Louisville, KY triplex with FHA loan | Louisville | KY | triplex | 3 | 2 | 385,000 | FHA | 13,475 | 3.5 | 378,263 | 6.375 | 3,038 | {
"principalInterest": 2360,
"taxes": 347,
"insurance": 158,
"mortgageInsurance": 173
} | {
"grossMonthly": 1800,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1530
} | {
"monthlyOutOfPocket": 1508,
"effectiveHousingCost": 1508,
"cashOnCashReturn": 136.3,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1508/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Louisville, KY triplex with Conventional loan | Louisville | KY | triplex | 3 | 2 | 385,000 | Conventional | 19,250 | 5 | 365,750 | 6.5 | 2,957 | {
"principalInterest": 2312,
"taxes": 347,
"insurance": 158,
"mortgageInsurance": 140
} | {
"grossMonthly": 1800,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1530
} | {
"monthlyOutOfPocket": 1427,
"effectiveHousingCost": 1427,
"cashOnCashReturn": 95.4,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1427/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Louisville, KY triplex with VA loan | Louisville | KY | triplex | 3 | 2 | 385,000 | VA | 0 | 0 | 393,278 | 6.25 | 2,926 | {
"principalInterest": 2421,
"taxes": 347,
"insurance": 158,
"mortgageInsurance": 0
} | {
"grossMonthly": 1800,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1530
} | {
"monthlyOutOfPocket": 1396,
"effectiveHousingCost": 1396,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1396/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Louisville, KY fourplex with FHA loan | Louisville | KY | fourplex | 4 | 3 | 481,250 | FHA | 16,844 | 3.5 | 472,828 | 6.375 | 3,758 | {
"principalInterest": 2950,
"taxes": 433,
"insurance": 158,
"mortgageInsurance": 217
} | {
"grossMonthly": 2700,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2295
} | {
"monthlyOutOfPocket": 1463,
"effectiveHousingCost": 1463,
"cashOnCashReturn": 163.5,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1463/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Louisville, KY fourplex with Conventional loan | Louisville | KY | fourplex | 4 | 3 | 481,250 | Conventional | 24,063 | 5 | 457,188 | 6.5 | 3,656 | {
"principalInterest": 2890,
"taxes": 433,
"insurance": 158,
"mortgageInsurance": 175
} | {
"grossMonthly": 2700,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2295
} | {
"monthlyOutOfPocket": 1361,
"effectiveHousingCost": 1361,
"cashOnCashReturn": 114.5,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1361/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Louisville, KY fourplex with VA loan | Louisville | KY | fourplex | 4 | 3 | 481,250 | VA | 0 | 0 | 491,597 | 6.25 | 3,618 | {
"principalInterest": 3027,
"taxes": 433,
"insurance": 158,
"mortgageInsurance": 0
} | {
"grossMonthly": 2700,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2295
} | {
"monthlyOutOfPocket": 1323,
"effectiveHousingCost": 1323,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1323/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Columbia, SC duplex with FHA loan | Columbia | SC | duplex | 2 | 1 | 265,000 | FHA | 9,275 | 3.5 | 260,363 | 6.375 | 2,045 | {
"principalInterest": 1624,
"taxes": 126,
"insurance": 175,
"mortgageInsurance": 119
} | {
"grossMonthly": 875,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 744
} | {
"monthlyOutOfPocket": 1301,
"effectiveHousingCost": 1301,
"cashOnCashReturn": 96.2,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1301/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Columbia, SC duplex with Conventional loan | Columbia | SC | duplex | 2 | 1 | 265,000 | Conventional | 13,250 | 5 | 251,750 | 6.5 | 1,989 | {
"principalInterest": 1591,
"taxes": 126,
"insurance": 175,
"mortgageInsurance": 97
} | {
"grossMonthly": 875,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 744
} | {
"monthlyOutOfPocket": 1245,
"effectiveHousingCost": 1245,
"cashOnCashReturn": 67.4,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1245/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Columbia, SC duplex with VA loan | Columbia | SC | duplex | 2 | 1 | 265,000 | VA | 0 | 0 | 270,698 | 6.25 | 1,968 | {
"principalInterest": 1667,
"taxes": 126,
"insurance": 175,
"mortgageInsurance": 0
} | {
"grossMonthly": 875,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 744
} | {
"monthlyOutOfPocket": 1224,
"effectiveHousingCost": 1224,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1224/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Columbia, SC triplex with FHA loan | Columbia | SC | triplex | 3 | 2 | 371,000 | FHA | 12,985 | 3.5 | 364,508 | 6.375 | 2,792 | {
"principalInterest": 2274,
"taxes": 176,
"insurance": 175,
"mortgageInsurance": 167
} | {
"grossMonthly": 1750,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1488
} | {
"monthlyOutOfPocket": 1305,
"effectiveHousingCost": 1305,
"cashOnCashReturn": 137.5,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1305/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Columbia, SC triplex with Conventional loan | Columbia | SC | triplex | 3 | 2 | 371,000 | Conventional | 18,550 | 5 | 352,450 | 6.5 | 2,714 | {
"principalInterest": 2228,
"taxes": 176,
"insurance": 175,
"mortgageInsurance": 135
} | {
"grossMonthly": 1750,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1488
} | {
"monthlyOutOfPocket": 1227,
"effectiveHousingCost": 1227,
"cashOnCashReturn": 96.2,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1227/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Columbia, SC triplex with VA loan | Columbia | SC | triplex | 3 | 2 | 371,000 | VA | 0 | 0 | 378,977 | 6.25 | 2,685 | {
"principalInterest": 2333,
"taxes": 176,
"insurance": 175,
"mortgageInsurance": 0
} | {
"grossMonthly": 1750,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1488
} | {
"monthlyOutOfPocket": 1197,
"effectiveHousingCost": 1197,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1197/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Columbia, SC fourplex with FHA loan | Columbia | SC | fourplex | 4 | 3 | 463,750 | FHA | 16,231 | 3.5 | 455,634 | 6.375 | 3,447 | {
"principalInterest": 2843,
"taxes": 220,
"insurance": 175,
"mortgageInsurance": 209
} | {
"grossMonthly": 2625,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2231
} | {
"monthlyOutOfPocket": 1215,
"effectiveHousingCost": 1215,
"cashOnCashReturn": 165,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1215/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Columbia, SC fourplex with Conventional loan | Columbia | SC | fourplex | 4 | 3 | 463,750 | Conventional | 23,188 | 5 | 440,563 | 6.5 | 3,349 | {
"principalInterest": 2785,
"taxes": 220,
"insurance": 175,
"mortgageInsurance": 169
} | {
"grossMonthly": 2625,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2231
} | {
"monthlyOutOfPocket": 1118,
"effectiveHousingCost": 1118,
"cashOnCashReturn": 115.5,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1118/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Columbia, SC fourplex with VA loan | Columbia | SC | fourplex | 4 | 3 | 463,750 | VA | 0 | 0 | 473,721 | 6.25 | 3,312 | {
"principalInterest": 2917,
"taxes": 220,
"insurance": 175,
"mortgageInsurance": 0
} | {
"grossMonthly": 2625,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2231
} | {
"monthlyOutOfPocket": 1081,
"effectiveHousingCost": 1081,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $1081/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Atlanta, GA duplex with FHA loan | Atlanta | GA | duplex | 2 | 1 | 425,000 | FHA | 14,875 | 3.5 | 417,563 | 6.375 | 3,414 | {
"principalInterest": 2605,
"taxes": 418,
"insurance": 200,
"mortgageInsurance": 191
} | {
"grossMonthly": 1200,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1020
} | {
"monthlyOutOfPocket": 2394,
"effectiveHousingCost": 2394,
"cashOnCashReturn": 82.3,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2394/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Atlanta, GA duplex with Conventional loan | Atlanta | GA | duplex | 2 | 1 | 425,000 | Conventional | 21,250 | 5 | 403,750 | 6.5 | 3,325 | {
"principalInterest": 2552,
"taxes": 418,
"insurance": 200,
"mortgageInsurance": 155
} | {
"grossMonthly": 1200,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1020
} | {
"monthlyOutOfPocket": 2305,
"effectiveHousingCost": 2305,
"cashOnCashReturn": 57.6,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2305/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Atlanta, GA duplex with VA loan | Atlanta | GA | duplex | 2 | 1 | 425,000 | VA | 0 | 0 | 434,138 | 6.25 | 3,291 | {
"principalInterest": 2673,
"taxes": 418,
"insurance": 200,
"mortgageInsurance": 0
} | {
"grossMonthly": 1200,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1020
} | {
"monthlyOutOfPocket": 2271,
"effectiveHousingCost": 2271,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2271/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Atlanta, GA triplex with FHA loan | Atlanta | GA | triplex | 3 | 2 | 595,000 | FHA | 20,825 | 3.5 | 584,588 | 6.375 | 4,700 | {
"principalInterest": 3647,
"taxes": 585,
"insurance": 200,
"mortgageInsurance": 268
} | {
"grossMonthly": 2400,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2040
} | {
"monthlyOutOfPocket": 2660,
"effectiveHousingCost": 2660,
"cashOnCashReturn": 117.6,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2660/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Atlanta, GA triplex with Conventional loan | Atlanta | GA | triplex | 3 | 2 | 595,000 | Conventional | 29,750 | 5 | 565,250 | 6.5 | 4,575 | {
"principalInterest": 3573,
"taxes": 585,
"insurance": 200,
"mortgageInsurance": 217
} | {
"grossMonthly": 2400,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2040
} | {
"monthlyOutOfPocket": 2535,
"effectiveHousingCost": 2535,
"cashOnCashReturn": 82.3,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2535/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Atlanta, GA triplex with VA loan | Atlanta | GA | triplex | 3 | 2 | 595,000 | VA | 0 | 0 | 607,793 | 6.25 | 4,527 | {
"principalInterest": 3742,
"taxes": 585,
"insurance": 200,
"mortgageInsurance": 0
} | {
"grossMonthly": 2400,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2040
} | {
"monthlyOutOfPocket": 2487,
"effectiveHousingCost": 2487,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2487/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Atlanta, GA fourplex with FHA loan | Atlanta | GA | fourplex | 4 | 3 | 743,750 | FHA | 26,031 | 3.5 | 730,734 | 6.375 | 5,825 | {
"principalInterest": 4559,
"taxes": 731,
"insurance": 200,
"mortgageInsurance": 335
} | {
"grossMonthly": 3600,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 3060
} | {
"monthlyOutOfPocket": 2765,
"effectiveHousingCost": 2765,
"cashOnCashReturn": 141.1,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2765/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Atlanta, GA fourplex with Conventional loan | Atlanta | GA | fourplex | 4 | 3 | 743,750 | Conventional | 37,188 | 5 | 706,563 | 6.5 | 5,668 | {
"principalInterest": 4466,
"taxes": 731,
"insurance": 200,
"mortgageInsurance": 271
} | {
"grossMonthly": 3600,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 3060
} | {
"monthlyOutOfPocket": 2608,
"effectiveHousingCost": 2608,
"cashOnCashReturn": 98.7,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2608/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Atlanta, GA fourplex with VA loan | Atlanta | GA | fourplex | 4 | 3 | 743,750 | VA | 0 | 0 | 759,741 | 6.25 | 5,609 | {
"principalInterest": 4678,
"taxes": 731,
"insurance": 200,
"mortgageInsurance": 0
} | {
"grossMonthly": 3600,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 3060
} | {
"monthlyOutOfPocket": 2549,
"effectiveHousingCost": 2549,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2549/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Nashville, TN duplex with FHA loan | Nashville | TN | duplex | 2 | 1 | 450,000 | FHA | 15,750 | 3.5 | 442,125 | 6.375 | 3,670 | {
"principalInterest": 2758,
"taxes": 518,
"insurance": 192,
"mortgageInsurance": 203
} | {
"grossMonthly": 1300,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1105
} | {
"monthlyOutOfPocket": 2565,
"effectiveHousingCost": 2565,
"cashOnCashReturn": 84.2,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2565/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Nashville, TN duplex with Conventional loan | Nashville | TN | duplex | 2 | 1 | 450,000 | Conventional | 22,500 | 5 | 427,500 | 6.5 | 3,575 | {
"principalInterest": 2702,
"taxes": 518,
"insurance": 192,
"mortgageInsurance": 164
} | {
"grossMonthly": 1300,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1105
} | {
"monthlyOutOfPocket": 2470,
"effectiveHousingCost": 2470,
"cashOnCashReturn": 58.9,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2470/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Nashville, TN duplex with VA loan | Nashville | TN | duplex | 2 | 1 | 450,000 | VA | 0 | 0 | 459,675 | 6.25 | 3,539 | {
"principalInterest": 2830,
"taxes": 518,
"insurance": 192,
"mortgageInsurance": 0
} | {
"grossMonthly": 1300,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 1105
} | {
"monthlyOutOfPocket": 2434,
"effectiveHousingCost": 2434,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2434/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Nashville, TN triplex with FHA loan | Nashville | TN | triplex | 3 | 2 | 630,000 | FHA | 22,050 | 3.5 | 618,975 | 6.375 | 5,061 | {
"principalInterest": 3862,
"taxes": 725,
"insurance": 192,
"mortgageInsurance": 284
} | {
"grossMonthly": 2600,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2210
} | {
"monthlyOutOfPocket": 2851,
"effectiveHousingCost": 2851,
"cashOnCashReturn": 120.3,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2851/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Nashville, TN triplex with Conventional loan | Nashville | TN | triplex | 3 | 2 | 630,000 | Conventional | 31,500 | 5 | 598,500 | 6.5 | 4,929 | {
"principalInterest": 3783,
"taxes": 725,
"insurance": 192,
"mortgageInsurance": 229
} | {
"grossMonthly": 2600,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2210
} | {
"monthlyOutOfPocket": 2719,
"effectiveHousingCost": 2719,
"cashOnCashReturn": 84.2,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2719/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Nashville, TN triplex with VA loan | Nashville | TN | triplex | 3 | 2 | 630,000 | VA | 0 | 0 | 643,545 | 6.25 | 4,879 | {
"principalInterest": 3962,
"taxes": 725,
"insurance": 192,
"mortgageInsurance": 0
} | {
"grossMonthly": 2600,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 2210
} | {
"monthlyOutOfPocket": 2669,
"effectiveHousingCost": 2669,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2669/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Nashville, TN fourplex with FHA loan | Nashville | TN | fourplex | 4 | 3 | 787,500 | FHA | 27,563 | 3.5 | 773,719 | 6.375 | 6,279 | {
"principalInterest": 4827,
"taxes": 906,
"insurance": 192,
"mortgageInsurance": 355
} | {
"grossMonthly": 3900,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 3315
} | {
"monthlyOutOfPocket": 2964,
"effectiveHousingCost": 2964,
"cashOnCashReturn": 144.3,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2964/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Nashville, TN fourplex with Conventional loan | Nashville | TN | fourplex | 4 | 3 | 787,500 | Conventional | 39,375 | 5 | 748,125 | 6.5 | 6,113 | {
"principalInterest": 4729,
"taxes": 906,
"insurance": 192,
"mortgageInsurance": 287
} | {
"grossMonthly": 3900,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 3315
} | {
"monthlyOutOfPocket": 2798,
"effectiveHousingCost": 2798,
"cashOnCashReturn": 101,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2798/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
Nashville, TN fourplex with VA loan | Nashville | TN | fourplex | 4 | 3 | 787,500 | VA | 0 | 0 | 804,431 | 6.25 | 6,050 | {
"principalInterest": 4953,
"taxes": 906,
"insurance": 192,
"mortgageInsurance": 0
} | {
"grossMonthly": 3900,
"vacancyAllowance": 0.05,
"maintenanceAllowance": 0.1,
"netMonthly": 3315
} | {
"monthlyOutOfPocket": 2735,
"effectiveHousingCost": 2735,
"cashOnCashReturn": 999,
"livingForFree": false
} | EVALUATE | Your effective housing cost is only $2735/month after rental income. | Beau Thompson, NMLS #1615561 | Good News Lending House Hacking Calculator | 2026-01-15T00:00:00 |
House Hacking ROI Scenarios 2026
Investment analysis for 72 house hacking scenarios covering duplex/triplex/fourplex across 8 affordable Southeast markets with FHA (3.5% down), VA ($0 down), and Conventional (5% down) financing.
Markets
Memphis, Jackson, Birmingham, Little Rock, Louisville, Columbia, Atlanta, Nashville
Key Insight
In affordable Southeast markets, many house hacking scenarios result in living for free or even positive cash flow.
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