🏠 Co-Living

Co-Living / PadSplit Calculator

Calculate room-by-room rental income vs traditional leasing

🏠 Property Details

Principal, interest, taxes & insurance

Electric, gas, water, internet, trash

What you'd get renting to a single tenant

🛏️ Room Configuration

Vacancy: 15% (improves ~2% per year as property matures)

Cleaning, minor repairs between tenants

📊 Co-Living Returns

$1,847
Monthly Net Operating Income
Gross Monthly (at occupancy) $3,250
Less: Vacancy (15%) -$488
Less: Turnover (~4 moves/yr) -$50
Effective Gross Income $2,713
Less: Expenses -$2,350
vs Traditional Rental
Traditional NOI -$150/mo
Co-Living NOI $363/mo
Extra Income +$513/mo

5-Year Projection

Year Vacancy Annual NOI
115%$4,356
213%$5,124
311%$5,892
49%$6,660
57%$7,428

Finance Your Co-Living Property

DSCR loans for investors — no income docs required

Get Pre-Qualified →