FHA House Hack Analysis

[Bryan Davis]

I've seen a good amount of info on house hacking with a FHA loan. My question is does anyone have any actual property they did this with so I can see how they added the expenses. All of the posts or YouTube videos I've seen subtract the other unit or units rental income from the mortgage and say that's what you'll be left to pay.

Ex. If the mortgage on a duplex is 1500 and both sides rent for 1k each then all you pay is 500 since it's owner occupied.

My issue there is everything I've seen they never account for vacancy, repairs, capex. How would those numbers affect what I would be paying monthly? I usually run about 10% vacancy, 5% repairs, 10% capex. Would my percentages change because I'll be living in 1 unit?