This USD estimate subtracts collected rents from the cash costs of the whole property. The owner unit earns no current rent. Mortgage insurance and the optional depreciation worksheet use stated US assumptions; the calculator does not determine loan eligibility or a tax deduction.
Follow the cost and cash identities
Add mortgage principal and interest, mortgage insurance, taxes, insurance, maintenance, HOA, utilities and management; subtract each rented unit’s collected rent. Negative owner cost is a rental surplus. Cost offset is undefined when included costs are zero.
Normal and first-year depreciation
The worksheet uses a simplified US residential 27.5-year GDS estimate. A normal full-year amount is separate from the first-year mid-month estimate. Depreciation is not a guaranteed tax saving; basis, eligibility, method and loss limitations require individual review.
Review scope and downside
Compare the owner cost with your actual housing baseline; there is no assumed personal saving. Vacancies leave property costs due. Investment contributions use only positive housing benefit up to the limit you enter. Principal reduction and appreciation are separate from investable cash. After moving out, replacement housing must be entered before a personal investment benefit can be calculated.