Calculator
VA House Hack Calculator (2–4 Unit)
Zero down on a fourplex. Rent the other three. Live nearly free.
The property
Monthly housing costs
VA funding fee
Your effective monthly cost
$0
PITI ($7,175) minus gross rent from 3 units ($7,200).
Loan amount
$950,000
Full PITI
$7,175/mo
Funding fee (0%)
$0
Qualifying rent (75%)
$5,400/mo
Self-sufficiency test (4-unit): does not pass
Required on 3–4 unit VA purchases. Qualifying rent (75% of market) must cover full PITI. Short by $1,775/mo — either raise rents, lower price, or put money down.
10-year equity build
Principal paid
$144,627
Appreciation @ 3%
$326,721
Total equity
$471,347
Estimates only. Rental income requires a VA-appraiser-documented market rent (Form 1007 single-family or 1025 multi-family). 3–4 unit purchases also require six months of PITI reserves. Occupancy is required — the veteran must move in within 60 days and use one unit as their primary residence.
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