House hack
Owner-occupy 2–4 units and rent the balance.
California investment underwriting
Find the best investment strategy that works for You.
Model low-down acquisitions, rental cash flow and conservative risk thresholds with live calculations built for California deal realities.
8
strategy modelsOne consistent underwriting standard
Cash requiredCash flowDSCR & ROIDownside flags
Capital-smart pathsLow cash is a structure.
Low cash is a structure.
It is never the absence of risk.
Someone supplies the capital or accepts the exposure: a program, seller, lender or partner. The calculator makes that trade-off visible.
Rental
ADU value-add
Create legal rent and incremental property value.
Assumption + carry
Blend low-rate existing debt with seller terms.
BRRRR
Renovate, stabilize and recycle capital conservatively.
Flip / wholetail
Price every cost, profit hurdle and downside case.
Live-in flip
Model carrying cost and possible home-sale exclusion.
Working calculator
Calculating…Rental & house-hack underwriting
Preloaded with a realistic, fully rented four-unit example. Use zero rent for an owner-occupied unit; every result updates as you type.
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Acquisition
02
Financing
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Income
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Operations
Six more live models
Choose a strategy and pressure-test the structure.
Each calculator uses its own realistic example. Change any assumption to evaluate your deal.
ADU / JADU value-add
Measure the incremental cost, rent and value created by a legal accessory unit.
California guardrailsNumbers first.
Numbers first.
Verification always.
Occupancy must be real
Use principal-residence financing only when the borrower genuinely intends to occupy under the loan documents.
Use legal income
Do not rely on an unpermitted unit until zoning, safety, appraisal and lender treatment are verified.
Stress the exit
Raise costs, extend time, lower value and assume a higher refinance rate before approving the deal.