See what a Bay Area 2–4 unit could actually cost you each month once the other units pay their share of the mortgage.
Your effective monthly cost
$0
Adjust the numbers below to see how the math shifts.
PITI
$0
Rent in
$0
You pay
$0
The property
Purchase price$1,500,000
Down payment20%
Interest rate6.75%
The rental income
Rental units
Avg rent / unit
Don't know the market rent? Estimate it
Estimated market rent$3,200/mo
Based on apartment-complex averages, May 2026. Smaller multifamily units in older buildings often rent 5–15% lower; ADUs vary. Run real comps before signing anything.
Loan term (yrs)
Property tax %
Insurance / yr
HOA / mo
Vacancy %
Maintenance %
Principal & interest$0
Property tax$0
Insurance$0
HOA$0
Maintenance reserve$0
Total monthly carry$0
Less: rental income (after vacancy)–$0
Your share$0
Cash to close (down + closing est.)$0
“
The first place doesn't have to be the dream place. It has to be the one that makes the next move possible.
Want to run a real scenario?
If a specific property is on your mind, I'll pull the rent comps and run the actual numbers with you.