HouseHack Duplex Calculations Question

[Derek Jundt]

So I am running my numbers on a duplex through the Rental Property Calculator and just had a few questions. After watching Brandon’s webinar last night on the Rental Calculator he used 5% as the vacancy cost. Since I will be owner-occupying would I be able to adjust my vacancy numbers to 2.5% since I will only need to factor in the cost of 1 unit in the duplex possibly being vacant? I know that the rule of thumb is to run the numbers as if you were renting both units but for the first 12 months or so I could adjust my calculations? Any other calculation adjustments if I will be house hacking? Thanks!