House Hack Analyzer for FHA Buyers: 2-4 Unit Calculator (Sheets)

See what living in a 2-4 unit home could cost you each month when the other units pay rent. Enter the price, taxes, insurance, example FHA terms and the rents, and the spreadsheet calculates principal and interest, upfront and monthly mortgage insurance, total PITI plus MIP, how much the rents cover, your net housing cost and how it compares with your rent today. Rough checks show the 3-4 unit self-sufficiency test and cash flow if you later move out. Educational only, not a loan quote.

What's inside:

- PITI + MIP with financed upfront MIP

- Rent offset and net housing cost

- Compare with your current rent

- Self-sufficiency and move-out checks

- PDF guide with lender questions

Good to know:

- Works in Google Sheets, Excel and LibreOffice.

- Example rate and MIP figures are placeholders, not a quote.

Estimates only, based on the numbers you enter. Not investment, tax, legal, or lending advice, and not a loan offer or rate quote. Verify figures with qualified professionals.