FHA · 2–4 Unit · Owner-Occupied
FHA 2–4 Unit Home Purchase Cash Flow & Appreciation Calculator
Estimate your monthly payment, cash to close, rental cash flow, and long-term appreciation on a 2–4 unit home you'll live in while renting the other units with an FHA loan.
Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer
Your Scenario
Enter only the rent for the units you won't occupy.
Purchase & Loan
3.5% is the minimum (down payment assistance and gift funds allowed).
Housing Costs
Paid separately, outside the mortgage.
Summary
Loan
Monthly Payment
Rental Cash Flow
Cash to Close
Qualifying
Wealth Analysis (3% Annual Appreciation)
5 Years
15 Years
30 Years
Estimates only — not a commitment to lend.
By Jim Blackburn
Ready to Take Your First Step?
Skip the guesswork. Take our quick Discovery Quiz to uncover your top financial priorities, so we can guide you toward the wealth-building strategies that fit your life.
- Takes just 5 minutes
- Tailored results based on your answers
- No credit check required
House Hacking a 2–4 Unit?
Tell us about your scenario and we'll map out your real payment, qualifying income, and cash flow with the right strategy—fast.
- Only 2 minutes to complete
- Quick turnaround
- No credit score impact
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Schedule a CallImportant Disclaimer
This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.