INTERACTIVE DECISION TOOL

Student Housing Cash Flow & Mortgage Offset Calculator

Model purchase price, financing, student rent per room, paying roommates, operating costs, vacancy, monthly cash flow and equity paydown with editable assumptions. Inputs stay on the left while the visual output updates on the right as assumptions change.

THE NUMBERS, WITH YOUR ASSUMPTIONS

Can Roommates Offset the Monthly Cost?

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Property price ($)Down payment (%)Interest rate assumption (%)Paying roommatesMonthly rent per roommate ($)Property taxes / year ($)Insurance / year ($)HOA dues / month ($)Ownership period (years)

The interest rate is a planning input, not a current offer. Enter actual taxes, insurance, HOA and mortgage insurance when available. Results update as you type.

Estimated monthly cash flow

-$5,365

0 paying roommates × $1,000/room = $0/mo modeled gross roommate income before vacancy and operating allowances.

Roommate rent$0

Operating allowances$913

Housing payment$4,452

Net monthly housing cost$5,365

Cumulative equity before price change · 4 years$160,538

Scheduled principal paid$25,538

Equity shown here is down payment plus scheduled principal paydown. No appreciation is assumed.

Payment & cost breakdown

Loan amount: $540,000
Principal & interest / month: $3,502
Taxes + insurance + HOA + MI: $950
Rent / month: $0
Vacancy, management, repairs & other: $913
Cash flow / month: -$5,365
NOI ÷ principal & interest: -0.53×
Illustrative cap rate: -3.31%
Initial cash, before reserves: $155,250
Principal paid after 4 years: $25,538
Equity before any price change: $160,538

Roommate income is a planning assumption, not guaranteed rent. The equity display includes down payment plus scheduled principal paydown and assumes no property appreciation. Cap rate uses the entered rent and operating assumptions, so replace defaults with property-specific facts before relying on it.

Have Matt Review These Numbers

TURN THE MODEL INTO A REAL REVIEW

Keep these exact assumptions when you talk to a campus financing specialist.

Your current calculator inputs and computed scenario stay attached to the review request. The result is planning information, not a rate quote, approval or property recommendation.

Review These Numbers

YOUR NEXT STEP

Have Matt Review Your Financing Plan

Send your question and the numbers you have explored. Matt can help you understand the financing questions that come next.

Matt Dean

NMLS #227603 · NEXA Lending

(512) 415-6142 mdean@collegehousing.ai

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Published professional information currently lists AZ and TX. Confirm current state and program eligibility before application.

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Your current numbers and property details will travel with your question.

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Review your current numbers

Planning goal: Buy an investment property
Property price (planning assumption): $675,000
Down payment (planning assumption): 20%
Rate assumption (planning assumption): 6.75%
Property taxes (planning assumption): $5,400/year
Insurance (planning assumption): $1,800/year
HOA dues (planning assumption): $350/month
Expected rent: Needed before investment cash-flow review
Ownership period (planning assumption): 4 years

Edit financing goals

Planning assumptions, not a loan quote. Your property details and quiz answers will accompany your request.

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Educational estimates only. No loan approval, rate quote, or commitment to lend. Rates, terms, down payment, documentation, reserves, occupancy and property eligibility vary by borrower, lender, state and program. Rental income, appreciation and investment returns are not guaranteed.

Matt Dean · NMLS #227603 · NEXA Lending · Company NMLS #1660690. Check licensing at NMLS Consumer Access. Professional site lists Arizona and Texas. State-specific availability must be confirmed before application.

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