Explore an investment scenario
Model the original house-hack examples with clear assumptions.
Browse the original Candor concept information below.
The house-hack scenario tool
A simplified version of the original investment model. Change the assumptions to see how the estimate moves.
Retained original assumptions: 6.5% mortgage over 30 years, 1.45% of price annually for tax and insurance, 8% rent reserve, 72% gross-income NOI, and assumed appreciation/paydown for the five-year figure. These are educational estimates, not a quote or forecast.
Read a scenario as a set of assumptions
The retained house-hack model can make a purchase scenario easier to discuss. It is deliberately simple. Its output changes when you change price, unit count, rent, or down payment, but it cannot know a property’s actual expenses or financing terms.
Start a conversation ↗Know what the model includes
The tool uses an illustrative mortgage rate and term, a simplified tax-and-insurance estimate, an operating reserve, and a five-year equity formula. It does not inspect a roof, read leases, verify taxes, or quote a loan.
Use it to see which input has the greatest effect on the result. Then replace defaults with documents and professional estimates.
Stress-test the plan
Try a lower rent, a larger down payment, and a purchase price that includes needed work. Write down what happens. A property that only looks comfortable in the most favorable version deserves more investigation.
Keep cash reserves visible outside the tool. Positive monthly cash flow is not the same as a risk-free ownership experience.
Ask for the missing information
For a real property, seek lease terms, actual expenses, tax record, insurance quote, contractor input, lender terms, and the legal status of units.
Candor can help identify questions to bring to the relevant professional. The tool is a conversation starter, not an investment recommendation.
Tell us where you want to go. We’ll help you see the way forward.
One conversation. Clearer options.