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House Hack Calculator
See how vacation rental income can offset your beach home mortgage. Adjust the numbers to match your target property and rental strategy.
Purchase Details
$
5%$130,00050%
5%6.75%10%
Rental Income
$
IRB beach condos typically rent for $3,500–$6,500/mo in season
40%72%95%
$
Management fees, cleaning, supplies, maintenance
Monthly Breakdown
Principal & Interest$3,373
Est. Taxes & Insurance$813
Est. HOA (condo)$600
Operating Expenses$800
Total Monthly Cost$5,585
Effective Rental Income (72% occ.)+$3,024
Your net monthly cost
$2,561/mo
Out of pocket after rental income offsets costs
Investment Metrics
Gross Yield
7.8%
Net Yield
1.5%
Annual Cash Flow
-$30,735
Down Payment
$130,000
Estimates only. Does not include depreciation, income tax implications, or capital appreciation. Consult a CPA and lender for your specific situation. HOA estimate assumes a typical Pinellas beach condo — verify actual fees.
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