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The South Florida House Hack Calculator

Real Numbers: How to Reduce Your Monthly Housing Cost to Under $2,000 Buying a 2–4 Unit Property

Why This Exists
A $415,000 duplex in South Dade. 3.5% FHA down. $1,950/month rent from the second unit. Effective monthly housing cost: $1,674 — less than renting a 1BR apartment. With a GC who walked every inch first.

What's Inside

  • ✓FHA duplex, triplex, and fourplex side-by-side cost comparison
  • ✓The FHA self-sufficiency test for 3–4 unit purchases — with real numbers
  • ✓How FHA counts 75% of rental income toward your qualification
  • ✓Best South Florida submarkets for house hacking by price-to-rent ratio (2026)
  • ✓DPA programs that stack with FHA multifamily
  • ✓Year-1 DSCR refinance path: how to extract equity for Deal #2
WHO THIS IS FOR

Built from 20 years of licensed GC work in South Florida. Not a generic template — construction quality assessments, zoning code specifics, deal math, and real negotiating data.

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The South Florida House Hack Calculator

Enter your details. Roland reviews every submission personally and follows up within 24 hours.

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305-731-0387 · WhatsApp
Results That Go in the File

Clients Who Worked With Roland.

$18,000
Negotiated Off Before Inspection
"Roland found two unpermitted additions the seller never disclosed. A regular agent would have missed all of it."
Marcus & Priya T.
FHA · Homestead, FL
$80,000
Down Payment Grant
"Roland walked us through the Broward HOME program. The $80,000 covered our full down payment."
Patrice & Devon H.
Conventional · Miramar, FL
$3,200
Off $210K Rehab Estimate
"His renovation number was within $3,200 of final actual cost on a $210,000 rehab. That precision changes underwriting."
Raymond K.
Value-Add · Little Havana
About Roland Ruiz
Roland Ruiz — South Florida real estate advisor and Licensed General Contractor

Roland Ruiz

Florida Realtor · Licensed General Contractor

Calculator next-step guidance. Use the numbers as a starting point. Roland can help you understand what should be verified by a lender, insurance agent, CPA, inspector, or other professional before you decide.

Keller Williams Premier PropertiesLicensed General ContractorMiami-Dade · Broward · Palm Beach · Collier
Contact RolandCall 305.731.0387Homebuyer Quiz
Roland@Realtor007.ai