Van to Vault House Hacking Calculator
See if a duplex could cost less than your rent
Van to Vault House Hacking Calculator launched on July 21, 2026 with 5 votes, #4,557 of 24,623 launches that month and more than 75% of that year's launches.
What it does
Free calculator that shows what buying a small duplex with 3.5% down and renting out the other unit would cost you per month — often less than renting. Built by someone who went from living in a van to house-hacking a duplex.
Free house hacking calculator: enter price, rent, and loan details to see your real monthly cost and cash flow. No account required.
$563/mo : what the median surviving Rochester deal kept vs renting in the 2026 data run. Your building, your numbers, below. This free house hacking calculator shows what a small multifamily home would cost you each month after your tenant’s rent is applied. Your effective housing cost. Enter the price, down payment, interest rate, and the rent the other unit should bring in; you get your monthly out-of-pocket cost, cash flow, and cash-on-cash return. No account, no paywall. For example, a $500,000 duplex with $2,400 in tenant rent works out to about $1,592 a month out of pocket. Not sure what to enter in each field, or where the numbers should come from: I wrote a step-by-step guide…from vantovault.com
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