House hacking a duplex, triplex or fourplex. See what you really pay each month after rent, vs renting, and the cash you bring to escrow.
Rate default is the Freddie Mac weekly average for 30-yr fixed (7.24%). Insurance follows the price (about 0.35%/yr) until you type your own quote. 15% set-aside = 5% vacancy + 5% repairs + 5% CapEx, estimate.
Rate, insurance, PMI and set-aside are estimates. A lender quote for your credit always wins.
Ken will reply and can find 2–4 unit listings that fit this budget. No spam.
408-666-2825 Many people get this wrong: "the tenants pay my whole mortgage." In the Bay Area they rarely do. The win is usually smaller: you pay less than rent for a similar place, and part of what you pay is principal that stays yours. Count repairs and empty months, or the math lies to you.