Start from a market and a loan program — we'll fill in honest defaults. Then tune every line until it looks like your deal.
Market
Loan program
The home
$
$
$
$
The loan
$%
▲
%
The rental
$
%
% of rent
The math, line by line
Principal & interest$0
Mortgage insurance$0
Property taxes$0
Insurance$0
HOA / fees$0
Maintenance reserve$0
All-in monthly cost$0
Rent, after 5% vacancy−$0
Your real monthly cost$0
Defaults are market medians for mid-2026, stated as such. Estimates are for education — not financial advice, and never a substitute for a lender's quote.
Your real monthly cost
$0/mo
renting for lessliving freegetting paid
◆ You'd get paid to live here
Rent covers 0% of your all-in housing bill
Add your expected monthly rent to see the house-hack effect.
Monthly cash flow
$0
Monthly mortgage (P&I)
$0
Break-even rent
$0
5-year equity
$0
Equity, first five years
$0
todayyear 5
You vs. renting
Your real monthly cost$0
Median rent, this market$0
Keep these numbers.
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Estimates for educational purposes — not financial advice. The shareable link keeps every input.